| Metric | City Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -9.0% | -2.4% | -6.6 pts |
| ROA | 1.18% | 0.60% | +0.6 pts |
| ROE | 4.8% | 4.1% | +0.7 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.5M | $15.2M | $11.4M | $5.0M | $61K | 1.18% | 3.76% | 0.61% | 1,583 |
| Q4 2025 | $19.4M | $14.2M | $12.1M | $5.0M | $266K | 1.37% | 3.93% | 0.41% | 1,585 |
| Q3 2025 | $19.5M | $14.4M | $12.4M | $4.9M | $184K | 1.26% | 3.82% | 0.37% | 1,518 |
| Q2 2025 | $19.9M | $14.7M | $12.6M | $4.8M | $129K | 1.30% | 3.63% | 0.40% | 1,602 |
| Q1 2025 | $19.7M | $14.7M | $12.6M | $4.7M | $44K | 0.89% | 3.51% | 0.23% | 1,602 |
| Q4 2024 | $19.1M | $14.2M | $12.7M | $4.7M | $119K | 0.62% | 3.21% | 0.34% | 1,615 |
| Q3 2024 | $20.0M | $14.2M | $13.0M | $4.7M | $74K | 0.49% | 3.03% | 0.01% | 1,611 |
| Q2 2024 | $20.8M | $14.6M | $13.2M | $4.6M | $61K | 0.59% | 2.92% | 0.10% |
| Ratio | City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,602 |
Loan mix (Q1 2026): real estate $99K · commercial $0 · consumer $10.5M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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% |
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