| Metric | City Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.8% | -6.8 pts |
| Share growth (YoY) | -2.6% | +4.3% | -6.9 pts |
| Loan growth (YoY) | -11.3% | +4.3% | -15.7 pts |
| ROA | 0.67% | 0.62% | +0.1 pts |
| ROE | 5.6% | 5.9% | -0.3 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $630.5M | $548.3M | $316.8M | $74.9M | $1.1M | 0.67% | 3.51% | 1.17% | 33,792 |
| Q4 2025 | $623.2M | $542.0M | $329.1M | $73.8M | $621K | 0.10% | 3.59% | 1.58% | 34,196 |
| Q3 2025 | $640.3M | $558.5M | $337.9M | $75.2M | $1.7M | 0.36% | 3.47% | 1.57% | 34,298 |
| Q2 2025 | $648.3M | $566.5M | $348.1M | $74.6M | $1.2M | 0.36% | 3.39% | 1.72% | 34,448 |
| Q1 2025 | $643.9M | $562.9M | $357.4M | $74.0M | $548K | 0.34% | 3.33% | 1.60% | 35,150 |
| Q4 2024 | $639.5M | $549.2M | $369.2M | $73.5M | $3.4M | 0.53% | 3.28% | 1.73% | 35,198 |
| Q3 2024 | $651.1M | $573.8M | $383.7M | $72.5M | $2.1M | 0.44% | 3.18% | 2.09% | 35,308 |
| Q2 2024 | $685.1M | $604.6M | $391.0M | $71.9M | $1.5M | 0.45% | 2.99% |
| Ratio | City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.62% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.65% |
| 35,391 |
Loan mix (Q1 2026): real estate $130.2M · commercial $0 · consumer $177.6M · securities $223.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 78.3% | 42th |
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 | City 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 | City 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 | City 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 | City 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.