| Metric | Community Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +6.6% | +3.3% | +3.3 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.8 pts |
| ROA | 0.16% | 0.69% | -0.5 pts |
| ROE | 1.5% | 5.9% | -4.4 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $120.7M | $107.5M | $93.6M | $12.5M | $48K | 0.16% | 5.13% | 1.61% | 14,776 |
| Q4 2025 | $116.9M | $103.8M | $93.1M | $12.4M | $1.1M | 0.97% | 5.20% | 1.89% | 13,601 |
| Q3 2025 | $112.1M | $98.9M | $93.1M | $12.3M | $971K | 1.15% | 5.32% | 1.76% | 13,486 |
| Q2 2025 | $111.8M | $98.8M | $92.6M | $11.8M | $559K | 1.00% | 5.20% | 1.27% | 13,227 |
| Q1 2025 | $113.5M | $100.9M | $88.5M | $11.6M | $328K | 1.15% | 4.93% | 1.17% | 12,969 |
| Q4 2024 | $110.7M | $98.6M | $88.0M | $11.3M | $846K | 0.76% | 4.74% | 1.55% | 12,726 |
| Q3 2024 | $107.0M | $94.9M | $87.9M | $11.2M | $809K | 1.01% | 4.81% | 1.36% | 12,651 |
| Q2 2024 | $104.1M | $92.3M | $85.7M | $10.8M | $385K | 0.74% | 4.88% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Community Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 12,463 |
Loan mix (Q1 2026): real estate $22.5M · commercial $6.4M · consumer $53.0M · securities $15.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 78.7% | 48th |
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 | Community 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 | Community Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Community 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 | Community 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 | Community 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.
3 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Androscoggin, ME, ranked 11th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Androscoggin, ME | 3 | $98.8M* | 3.04% | 11th |
Maine: 61st with 0.17% · Lewiston-Auburn metro: 11th, 3.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3