| Metric | Cgr Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.9% | -1.9 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | +1.9% | +2.9% | -1.0 pts |
| ROA | 1.85% | 0.69% | +1.2 pts |
| ROE | 8.5% | 5.9% | +2.5 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $119.5M | $91.0M | $46.2M | $26.0M | $552K | 1.85% | 3.89% | 0.32% | 11,245 |
| Q4 2025 | $117.2M | $89.0M | $46.9M | $25.5M | $2.0M | 1.71% | 3.87% | 0.48% | 11,129 |
| Q3 2025 | $114.6M | $87.1M | $46.3M | $25.1M | $1.6M | 1.85% | 3.93% | 0.59% | 11,400 |
| Q2 2025 | $115.0M | $88.2M | $45.8M | $24.5M | $1.0M | 1.79% | 3.81% | 0.89% | 11,520 |
| Q1 2025 | $117.1M | $90.7M | $45.3M | $24.0M | $530K | 1.81% | 3.66% | 0.74% | 11,914 |
| Q4 2024 | $112.3M | $86.7M | $45.1M | $23.5M | $1.8M | 1.59% | 3.49% | 0.90% | 11,973 |
| Q3 2024 | $112.4M | $87.5M | $43.3M | $23.0M | $1.3M | 1.51% | 3.43% | 0.69% | 12,084 |
| Q2 2024 | $114.3M | $88.8M | $43.0M | $22.4M | $735K | 1.29% | 3.29% |
| Ratio | Cgr Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 12,106 |
Loan mix (Q1 2026): real estate $10.4M · commercial $0 · consumer $34.9M · securities $37.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 78.7% | 27th |
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 | Cgr 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 | Cgr 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 | Cgr 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 | Cgr 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.