| Metric | Champion Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.8% | -3.6 pts |
| Share growth (YoY) | +1.3% | +4.3% | -3.0 pts |
| Loan growth (YoY) | +5.9% | +4.3% | +1.6 pts |
| ROA | 0.57% | 0.62% | -0.0 pts |
| ROE | 4.8% | 5.9% | -1.1 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $555.1M | $473.7M | $436.3M | $65.9M | $794K | 0.57% | 3.90% | 0.28% | 36,123 |
| Q4 2025 | $554.8M | $469.3M | $434.6M | $65.1M | $5.0M | 0.91% | 3.91% | 0.56% | 36,146 |
| Q3 2025 | $554.7M | $470.1M | $429.2M | $64.1M | $3.8M | 0.92% | 3.89% | 0.73% | 36,431 |
| Q2 2025 | $554.5M | $471.1M | $424.7M | $62.8M | $2.5M | 0.91% | 3.91% | 0.70% | 36,493 |
| Q1 2025 | $548.8M | $467.5M | $412.0M | $61.3M | $978K | 0.71% | 3.86% | 0.35% | 36,313 |
| Q4 2024 | $549.6M | $453.4M | $414.9M | $60.3M | $3.3M | 0.59% | 3.79% | 0.42% | 36,379 |
| Q3 2024 | $534.0M | $440.0M | $425.1M | $59.8M | $2.6M | 0.64% | 3.90% | 0.78% | 35,704 |
| Q2 2024 | $547.8M | $442.1M | $430.7M | $59.0M | $1.8M | 0.65% | 3.80% |
| Ratio | Champion Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.62% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 36,017 |
Loan mix (Q1 2026): real estate $274.2M · commercial $26.9M · consumer $133.6M · securities $16.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.3% | 63th |
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 | Champion 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 | Champion 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 | Champion 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 | Champion 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.