| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +3.9% | -2.7 pts |
| Share growth (YoY) | +0.6% | +3.3% | -2.7 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.8 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $485.8M | $445.5M | $364.5M | $40.5M | $784K | 0.65% | 3.86% | 0.73% | 38,762 |
| Q4 2025 | $476.2M | $435.9M | $365.8M | $39.7M | $1.9M | 0.40% | 3.76% | 0.80% | 38,836 |
| Q3 2025 | $465.6M | $426.7M | $364.5M | $39.2M | $1.4M | 0.39% | 3.78% | 0.71% | 38,572 |
| Q2 2025 | $474.4M | $436.7M | $346.2M | $38.7M | $916K | 0.39% | 3.64% | 0.64% | 38,542 |
| Q1 2025 | $479.8M | $442.8M | $344.6M | $38.1M | $238K | 0.20% | 3.49% | 0.78% | 38,588 |
| Q4 2024 | $465.9M | $429.4M | $344.2M | $37.8M | $1.0M | 0.22% | 3.38% | 0.88% | 38,585 |
| Q3 2024 | $449.8M | $413.0M | $362.6M | $37.7M | $870K | 0.26% | 3.46% | 0.72% | 38,804 |
| Q2 2024 | $449.6M | $414.5M | $366.3M | $37.4M | $649K | 0.29% | 3.42% |
| Ratio | Cme Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 38,867 |
Loan mix (Q1 2026): real estate $176.3M · commercial $21.7M · consumer $140.0M · securities $33.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 78.7% | 47th |
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 | Cme Federal 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 | Cme Federal 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 | Cme Federal 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 | Cme Federal 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.