| Metric | Connect Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.5 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +6.4% | +2.9% | +3.5 pts |
| ROA | 0.81% | 0.69% | +0.1 pts |
| ROE | 6.3% | 5.9% | +0.4 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.9M | $89.0M | $77.0M | $13.2M | $209K | 0.81% | 3.77% | 0.77% | 5,092 |
| Q4 2025 | $101.9M | $88.7M | $76.2M | $13.0M | $910K | 0.89% | 4.03% | 0.63% | 5,146 |
| Q3 2025 | $97.5M | $83.6M | $74.6M | $12.9M | $833K | 1.14% | 4.19% | 0.45% | 5,226 |
| Q2 2025 | $98.3M | $85.0M | $70.7M | $12.7M | $632K | 1.28% | 4.03% | 0.40% | 5,286 |
| Q1 2025 | $100.4M | $87.2M | $72.4M | $12.5M | $368K | 1.47% | 3.69% | 0.93% | 5,374 |
| Q4 2024 | $98.0M | $85.9M | $73.5M | $12.1M | $1.0M | 1.02% | 3.78% | 0.29% | 5,413 |
| Q3 2024 | $97.8M | $85.3M | $72.6M | $11.9M | $749K | 1.02% | 3.72% | 0.47% | 5,453 |
| Q2 2024 | $97.5M | $85.6M | $72.8M | $11.5M | $307K | 0.63% | 3.66% | 0.40% |
| Ratio | Connect Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,475 |
Loan mix (Q1 2026): real estate $10.2M · commercial $0 · consumer $61.0M · securities $11.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 78.7% | 33rd |
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 | Connect 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 | Connect 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 | Connect 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 | Connect 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 | Connect 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 3 counties across 1 state (+0 vs 2024). Biggest market: Broward, FL, ranked 57th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broward, FL | 1 | $28.3M* | 0.04% | 57th |
| Martin, FL | 1 | $28.3M* | 0.37% | 15th |
| Miami-Dade, FL | 1 | $28.3M* | 0.01% | 70th |
Florida: 231st with 0.01% · Miami-Fort Lauderdale-West Palm Beach metro: 93rd, 0.02% · Port St. Lucie metro: 19th, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 3 · 2025 3