| Metric | Community Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.9% | -3.0 pts |
| Share growth (YoY) | +0.7% | +3.3% | -2.6 pts |
| Loan growth (YoY) | -4.6% | +2.9% | -7.5 pts |
| ROA | 1.43% | 0.69% | +0.7 pts |
| ROE | 8.6% | 5.9% | +2.7 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 | $178.3M | $147.4M | $28.7M | $29.6M | $640K | 1.43% | 2.45% | 0.00% | 4,075 |
| Q4 2025 | $173.4M | $143.0M | $31.3M | $28.9M | $522K | 0.30% | 1.36% | 0.07% | 4,092 |
| Q3 2025 | $170.5M | $140.2M | $31.9M | $28.8M | $331K | 0.26% | 1.16% | 0.13% | 4,145 |
| Q2 2025 | $171.4M | $141.5M | $30.9M | $28.6M | $161K | 0.19% | 1.07% | 0.30% | 4,164 |
| Q1 2025 | $176.6M | $146.4M | $30.1M | $28.4M | $12K | 0.03% | 0.88% | 3.95% | 4,210 |
| Q4 2024 | $174.3M | $144.0M | $31.5M | $28.4M | $-714K | -0.41% | 0.20% | 0.70% | 4,226 |
| Q3 2024 | $171.4M | $141.9M | $31.1M | $27.9M | $-1.0M | -0.78% | 0.07% | 0.26% | 4,245 |
| Q2 2024 | $176.4M | $145.8M | $29.7M | $28.2M | $-734K | -0.83% | 0.02% |
| Ratio | Community Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.26% |
| 4,284 |
Loan mix (Q1 2026): real estate $2.8M · commercial $22.1M · consumer $2.5M · securities $116.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.2% | 78.7% | 1th |
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 |
|---|---|---|---|---|
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.