CommunityAmerica Federal Credit Union
Total assets
$8.98B
▲ +153.4% YoY
Shares & deposits
$8.09B
▲ +158.0% YoY
Loans
$6.23B
▲ +128.1% YoY
Members
591,912
▲ +139.4% YoY
ROA (annualized)
0.94%
peers 0.71%
ROE (annualized)
9.69%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +153.4% | +5.1% | +148.3 pts |
| Share growth (YoY) | +158.0% | +4.9% | +153.2 pts |
| Loan growth (YoY) | +128.1% | +5.4% | +122.6 pts |
| ROA | 0.94% | 0.71% | +0.2 pts |
| ROE | 9.7% | 6.3% | +3.4 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 15950, Lenexa, KS, 66285
- NCUA charter #
- 15732
- RSSD ID
- 632791
- 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 | $8.98B | $8.09B | $6.23B | $866.8M | $21.0M | 0.94% | 3.65% | 1.41% | 591,912 |
| Q4 2025 | $8.67B | $7.81B | $6.32B | $845.8M | $47.4M | 0.55% | 2.51% | 1.63% | 617,156 |
| Q3 2025 | $3.43B | $3.00B | $2.55B | $308.5M | $33.2M | 1.29% | 3.35% | 2.63% | 241,455 |
| Q2 2025 | $3.49B | $3.06B | $2.66B | $307.7M | $32.4M | 1.86% | 3.26% | 2.94% | 244,424 |
| Q1 2025 | $3.55B | $3.13B | $2.73B | $299.9M | $24.5M | 2.77% | 3.12% | 1.80% | 247,296 |
| Q4 2024 | $3.54B | $3.06B | $2.89B | $275.4M | $11.2M | 0.32% | 3.25% | 1.44% | 249,267 |
| Q3 2024 | $3.51B | $3.03B | $2.94B | $280.1M | $8.7M | 0.33% | 3.27% | 1.49% | 252,114 |
| Q2 2024 | $3.55B | $3.07B | $3.01B | $274.3M | $2.9M | 0.16% | 3.24% | 2.03% | 257,849 |
Loan mix (Q1 2026): real estate $2.71B · commercial $1.38B · consumer $2.06B · securities $1.52B
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 | 0.94% | 0.71% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 6.3% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.32% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 73.0% | 63th | |
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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