| Metric | Century Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +3.9% | +5.1 pts |
| Share growth (YoY) | +9.3% | +3.3% | +6.0 pts |
| Loan growth (YoY) | +13.4% | +2.9% | +10.4 pts |
| ROA | 0.97% | 0.69% | +0.3 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $178.9M | $146.6M | $107.3M | $31.4M | $434K | 0.97% | 3.25% | 0.40% | 9,500 |
| Q4 2025 | $172.9M | $141.0M | $105.6M | $31.0M | $2.4M | 1.41% | 3.23% | 0.75% | 9,454 |
| Q3 2025 | $170.7M | $139.2M | $101.5M | $30.7M | $2.1M | 1.66% | 3.31% | 0.25% | 9,321 |
| Q2 2025 | $167.9M | $137.3M | $97.6M | $29.9M | $1.3M | 1.57% | 3.27% | 0.29% | 9,209 |
| Q1 2025 | $164.1M | $134.1M | $94.6M | $29.2M | $626K | 1.53% | 3.23% | 0.25% | 9,081 |
| Q4 2024 | $157.2M | $127.8M | $87.8M | $28.6M | $2.1M | 1.31% | 3.31% | 0.59% | 8,953 |
| Q3 2024 | $156.2M | $127.4M | $87.0M | $28.0M | $1.5M | 1.32% | 3.32% | 0.45% | 9,011 |
| Q2 2024 | $154.4M | $126.3M | $85.4M | $27.4M | $946K | 1.22% | 3.28% |
| Ratio | Century Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.69% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 9,008 |
Loan mix (Q1 2026): real estate $49.6M · commercial $1.6M · consumer $55.7M · securities $42.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 78.7% | 25th |
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 | Century 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 | Century 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 | Century 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 | Century 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.