Community Partners Federal Credit Union
Total assets
$5.2M
▼ -6.3% YoY
Shares & deposits
$4.7M
▼ -6.6% YoY
Loans
$2.9M
▲ +9.9% YoY
Members
2,139
▲ +3.8% YoY
ROA (annualized)
-0.74%
peers 0.60%
ROE (annualized)
-7.83%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +1.3% | -7.6 pts |
| Share growth (YoY) | -6.6% | +0.7% | -7.2 pts |
| Loan growth (YoY) | +9.9% | -2.4% | +12.3 pts |
| ROA | -0.74% | 0.60% | -1.3 pts |
| ROE | -7.8% | 4.1% | -11.9 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
Profile
- Established
- 1971
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- P. O. Box 5, Newton, MS, 39345
- NCUA charter #
- 24905
- RSSD ID
- 882194
- 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 | $5.2M | $4.7M | $2.9M | $493K | $-10K | -0.74% | 6.25% | 0.22% | 2,139 |
| Q4 2025 | $5.0M | $4.5M | $3.0M | $502K | $-2K | -0.04% | 6.45% | 0.32% | 2,135 |
| Q3 2025 | $5.0M | $4.5M | $2.8M | $484K | $-21K | -0.55% | 6.40% | 0.13% | 2,113 |
| Q2 2025 | $5.2M | $4.7M | $2.7M | $486K | $-19K | -0.73% | 6.05% | 0.63% | 2,098 |
| Q1 2025 | $5.6M | $5.0M | $2.6M | $498K | $-7K | -0.48% | 5.67% | 0.31% | 2,061 |
| Q4 2024 | $5.2M | $4.7M | $2.7M | $504K | $5K | 0.10% | 5.97% | 0.45% | 2,103 |
| Q3 2024 | $5.4M | $4.9M | $2.5M | $491K | $-8K | -0.20% | 5.71% | 0.20% | 2,117 |
| Q2 2024 | $5.2M | $4.7M | $2.3M | $499K | $-688 | -0.03% | 5.83% | 1.00% | 2,093 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $934K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.74% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -7.8% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.25% | 3.83% | 97th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.9% | 81.5% | 86th | |
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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