| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +5.1% | -0.8 pts |
| Share growth (YoY) | +3.3% | +4.9% | -1.6 pts |
| Loan growth (YoY) | +9.0% | +5.4% | +3.5 pts |
| ROA | 0.55% | 0.71% | -0.2 pts |
| ROE | 4.2% | 6.3% | -2.1 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.51B | $2.13B | $1.92B | $332.2M | $3.5M | 0.55% | 3.00% | 0.94% | 125,381 |
| Q4 2025 | $2.52B | $2.14B | $1.92B | $328.7M | $-2.1M | -0.08% | 2.56% | 1.02% | 123,067 |
| Q3 2025 | $2.55B | $2.18B | $1.95B | $327.3M | $-4.9M | -0.26% | 2.43% | 0.81% | 119,414 |
| Q2 2025 | $2.47B | $2.09B | $1.82B | $329.5M | $-2.7M | -0.22% | 2.33% | 0.77% | 112,837 |
| Q1 2025 | $2.41B | $2.06B | $1.76B | $332.5M | $326K | 0.05% | 2.25% | 0.57% | 109,702 |
| Q4 2024 | $2.38B | $2.04B | $1.74B | $332.2M | $-8.3M | -0.35% | 1.75% | 0.76% | 108,659 |
| Q3 2024 | $2.38B | $2.07B | $1.68B | $332.7M | $-9.3M | -0.52% | 1.64% | 0.58% | 107,829 |
| Q2 2024 | $2.41B | $2.10B | $1.61B | $334.6M | $-7.3M | -0.60% | 1.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Center Parc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.71% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 6.3% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 106,668 |
Loan mix (Q1 2026): real estate $704.8M · commercial $329.6M · consumer $820.0M · securities $204.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 73.0% | 43th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Center Parc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Center Parc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Center Parc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Center Parc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.