Code Credit Union
Total assets
$176.7M
▲ +2.9% YoY
Shares & deposits
$155.4M
▲ +2.7% YoY
Loans
$100.7M
▼ -1.5% YoY
Members
13,095
▼ -0.5% YoY
ROA (annualized)
1.10%
peers 0.69%
ROE (annualized)
9.22%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Code Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.1 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -1.5% | +2.9% | -4.4 pts |
| ROA | 1.10% | 0.69% | +0.4 pts |
| ROE | 9.2% | 5.9% | +3.3 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 355 W Monument Ave, Dayton, OH, 45402
- NCUA charter #
- 66840
- RSSD ID
- 305974
- 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 | $176.7M | $155.4M | $100.7M | $21.1M | $488K | 1.10% | 3.38% | 0.75% | 13,095 |
| Q4 2025 | $174.7M | $152.7M | $101.6M | $20.7M | $1.1M | 0.61% | 3.38% | 0.83% | 13,127 |
| Q3 2025 | $172.4M | $151.1M | $104.2M | $21.0M | $1.3M | 1.02% | 3.35% | 1.65% | 13,100 |
| Q2 2025 | $173.0M | $151.9M | $103.6M | $20.6M | $916K | 1.06% | 3.22% | 1.68% | 13,174 |
| Q1 2025 | $171.8M | $151.2M | $102.2M | $20.4M | $690K | 1.61% | 3.06% | 1.09% | 13,157 |
| Q4 2024 | $163.1M | $143.2M | $101.8M | $19.7M | $869K | 0.53% | 3.02% | 0.73% | 13,152 |
| Q3 2024 | $162.2M | $142.1M | $100.1M | $19.6M | $690K | 0.57% | 2.91% | 0.69% | 12,673 |
| Q2 2024 | $161.3M | $141.7M | $94.5M | $19.5M | $614K | 0.76% | 2.82% | 0.59% | 12,549 |
Loan mix (Q1 2026): real estate $16.5M · commercial $27.0M · consumer $55.2M · securities $41.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Code Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.69% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.62% | 35th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 78.7% | 29th | |
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 | Code 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% |
Capital
| Ratio | Code 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% |
Credit quality
| Ratio | Code 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% |
Franchise
| Ratio | Code 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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