Class Act Federal Credit Union
Total assets
$352.3M
▲ +5.9% YoY
Shares & deposits
$310.0M
▲ +5.5% YoY
Loans
$237.1M
▲ +5.6% YoY
Members
23,195
▲ +3.9% YoY
ROA (annualized)
1.31%
peers 0.69%
ROE (annualized)
11.89%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.9% | +2.0 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.6 pts |
| ROA | 1.31% | 0.69% | +0.6 pts |
| ROE | 11.9% | 5.9% | +5.9 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 3620 Fern Valley Rd, Louisville, KY, 40219
- NCUA charter #
- 9106
- RSSD ID
- 371586
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $352.3M | $310.0M | $237.1M | $38.9M | $1.2M | 1.31% | 3.99% | 0.40% | 23,195 |
| Q4 2025 | $341.6M | $299.8M | $237.9M | $37.8M | $3.9M | 1.13% | 3.95% | 0.64% | 23,015 |
| Q3 2025 | $336.7M | $295.4M | $233.4M | $37.1M | $3.0M | 1.20% | 3.95% | 0.74% | 22,896 |
| Q2 2025 | $341.9M | $301.3M | $225.1M | $35.5M | $1.5M | 0.90% | 3.76% | 0.74% | 22,639 |
| Q1 2025 | $332.6M | $293.9M | $224.6M | $34.7M | $717K | 0.86% | 3.75% | 0.68% | 22,332 |
| Q4 2024 | $318.4M | $280.2M | $222.7M | $34.0M | $2.9M | 0.90% | 3.67% | 0.72% | 22,086 |
| Q3 2024 | $313.8M | $279.5M | $219.7M | $33.4M | $2.1M | 0.88% | 3.67% | 0.49% | 21,926 |
| Q2 2024 | $317.5M | $282.9M | $213.5M | $32.4M | $1.1M | 0.70% | 3.53% | 0.59% | 21,851 |
Loan mix (Q1 2026): real estate $110.1M · commercial $0 · consumer $112.3M · securities $41.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.62% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 78.7% | 15th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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