| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +7.9% | -2.4% | +10.3 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.7M | $40.4M | $26.6M | $4.1M | $79K | 0.71% | 3.96% | 0.03% | 4,417 |
| Q4 2025 | $43.3M | $39.0M | $26.5M | $4.0M | $270K | 0.62% | 4.04% | 0.40% | 4,447 |
| Q3 2025 | $43.1M | $38.9M | $25.9M | $4.0M | $188K | 0.58% | 4.08% | 1.47% | 4,513 |
| Q2 2025 | $42.1M | $37.9M | $25.8M | $3.9M | $124K | 0.59% | 4.11% | 0.10% | 4,507 |
| Q1 2025 | $42.7M | $38.7M | $24.7M | $3.8M | $29K | 0.27% | 3.93% | 0.11% | 4,518 |
| Q4 2024 | $41.5M | $37.6M | $24.7M | $3.8M | $247K | 0.59% | 4.11% | 0.29% | 4,552 |
| Q3 2024 | $44.7M | $40.8M | $23.7M | $3.7M | $179K | 0.53% | 3.78% | 0.22% | 4,716 |
| Q2 2024 | $41.3M | $37.5M | $23.3M | $3.6M | $72K | 0.35% | 4.07% | 0.07% |
| Ratio | Collegedale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,728 |
Loan mix (Q1 2026): real estate $20.6M · commercial $1.7M · consumer $3.2M · securities $12.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 81.5% | 59th |
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 | Collegedale 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 | Collegedale 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 | Collegedale 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 | Collegedale 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.