| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +6.6% | +3.3% | +3.3 pts |
| Loan growth (YoY) | +4.7% | +2.9% | +1.8 pts |
| ROA | 1.69% | 0.69% | +1.0 pts |
| ROE | 12.6% | 5.9% | +6.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $337.9M | $276.9M | $253.5M | $45.4M | $1.4M | 1.69% | 4.87% | 0.61% | 21,757 |
| Q4 2025 | $321.9M | $262.2M | $254.7M | $43.9M | $4.7M | 1.47% | 5.03% | 0.70% | 22,037 |
| Q3 2025 | $311.9M | $255.4M | $254.3M | $42.4M | $3.2M | 1.36% | 5.13% | 0.69% | 22,094 |
| Q2 2025 | $312.4M | $254.6M | $252.5M | $40.7M | $1.5M | 0.95% | 4.97% | 1.31% | 22,152 |
| Q1 2025 | $316.5M | $259.8M | $242.1M | $39.8M | $631K | 0.80% | 4.79% | 0.79% | 22,759 |
| Q4 2024 | $243.0M | $192.1M | $184.6M | $31.7M | $3.7M | 1.53% | 4.80% | 0.89% | 17,086 |
| Q3 2024 | $245.2M | $192.4M | $183.7M | $30.9M | $2.9M | 1.58% | 4.73% | 0.91% | 17,232 |
| Q2 2024 | $246.8M | $195.6M | $185.4M | $29.7M | $1.7M | 1.42% | 4.61% |
| Ratio | Centricity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.89% |
| 17,552 |
Loan mix (Q1 2026): real estate $110.9M · commercial $11.4M · consumer $98.8M · securities $32.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 78.7% | 16th |
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 | Centricity 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 | Centricity 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 | Centricity 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 | Centricity 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.