Community Financial Credit Union
Total assets
$1.48B
▼ -3.8% YoY
Shares & deposits
$1.31B
▼ -5.1% YoY
Loans
$1.23B
▼ -9.2% YoY
Members
86,442
▲ +2.9% YoY
ROA (annualized)
-0.05%
peers 0.71%
ROE (annualized)
-0.47%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +5.1% | -8.9 pts |
| Share growth (YoY) | -5.1% | +4.9% | -10.0 pts |
| Loan growth (YoY) | -9.2% | +5.4% | -14.6 pts |
| ROA | -0.05% | 0.71% | -0.8 pts |
| ROE | -0.5% | 6.3% | -6.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 8050, Plymouth, MI, 48170
- NCUA charter #
- 68631
- RSSD ID
- 607388
- 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 | $1.48B | $1.31B | $1.23B | $148.8M | $-173K | -0.05% | 3.76% | 0.73% | 86,442 |
| Q4 2025 | $1.47B | $1.30B | $1.27B | $150.8M | $871K | 0.06% | 3.91% | 1.03% | 83,834 |
| Q3 2025 | $1.48B | $1.32B | $1.30B | $156.2M | $3.2M | 0.28% | 3.87% | 0.98% | 83,545 |
| Q2 2025 | $1.50B | $1.34B | $1.32B | $155.2M | $2.2M | 0.29% | 3.71% | 1.05% | 83,668 |
| Q1 2025 | $1.54B | $1.38B | $1.36B | $153.5M | $600K | 0.16% | 3.47% | 1.02% | 83,992 |
| Q4 2024 | $1.58B | $1.36B | $1.38B | $154.8M | $544K | 0.03% | 3.37% | 1.08% | 83,996 |
| Q3 2024 | $1.55B | $1.35B | $1.41B | $154.0M | $-250K | -0.02% | 3.38% | 0.85% | 84,060 |
| Q2 2024 | $1.60B | $1.38B | $1.44B | $152.6M | $-1.7M | -0.21% | 3.18% | 0.61% | 83,819 |
Loan mix (Q1 2026): real estate $646.5M · commercial $212.3M · consumer $350.1M · securities $44.2M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.05% | 0.71% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 6.3% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.32% | 80th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 73.0% | 97th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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