| Metric | Coburn Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +9.8% | +0.7% | +9.1 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.3 pts |
| ROA | 1.58% | 0.60% | +1.0 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.4M | $4.9M | $2.7M | $1.5M | $25K | 1.58% | 2.36% | 1.99% | 929 |
| Q4 2025 | $5.6M | $4.1M | $2.8M | $1.4M | $-52K | -0.93% | 2.57% | 2.01% | 941 |
| Q3 2025 | $5.9M | $4.4M | $2.8M | $1.5M | $-971 | -0.02% | 2.38% | 1.70% | 941 |
| Q2 2025 | $5.9M | $4.4M | $2.6M | $1.5M | $10K | 0.33% | 2.33% | 0.00% | 938 |
| Q1 2025 | $6.0M | $4.5M | $2.8M | $1.5M | $16K | 1.09% | 2.35% | 0.08% | 950 |
| Q4 2024 | $5.8M | $4.3M | $2.8M | $1.5M | $23K | 0.40% | 3.06% | 0.16% | 947 |
| Q3 2024 | $5.8M | $4.3M | $3.2M | $1.5M | $34K | 0.77% | 3.18% | 1.12% | 938 |
| Q2 2024 | $6.1M | $4.5M | $3.6M | $1.5M | $24K | 0.78% | 3.08% | 0.30% | 938 |
| Ratio | Coburn Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.5% | 81.5% | 5th |
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 | Coburn 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 | Coburn 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 | Coburn 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 | Coburn 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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