No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.4M | $55.2M | $38.0M | $7.7M | $108K | 0.67% | 4.37% | 1.31% | 4,160 |
| Q4 2025 | $62.3M | $53.5M | $38.6M | $7.6M | $736K | 1.18% | 4.66% | 1.86% | 4,166 |
| Q3 2025 | $61.4M | $52.7M | $36.9M | $7.4M | $563K | 1.22% | 4.74% | 1.69% | 4,165 |
| Q2 2025 | $61.3M | $52.6M | $36.5M | $7.3M | $416K | 1.36% | 4.72% | 1.17% | 4,174 |
| Q1 2025 | $59.5M | $51.5M | $36.9M | $7.2M | $292K | 1.96% | 4.80% | 1.28% | 4,177 |
| Q4 2024 | $56.4M | $48.7M | $37.4M | $6.9M | $693K | 1.23% | 4.95% | 1.35% | 4,211 |
| Q3 2024 | $56.5M | $48.8M | $37.4M | $6.8M | $579K | 1.37% | 4.87% | 1.36% | 4,235 |
| Q2 2024 | $55.1M | $48.0M | $37.1M | $6.6M | $421K | 1.53% | 4.91% | 1.20% |
| Ratio | City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,251 |
Loan mix (Q1 2026): real estate $5.8M · commercial $0 · consumer $29.5M · securities $18.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 81.5% | 26th |
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.