| Metric | Consumer Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.8% | +1.5 pts |
| Share growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| Loan growth (YoY) | +8.1% | +4.3% | +3.7 pts |
| ROA | 1.08% | 0.62% | +0.5 pts |
| ROE | 10.3% | 5.9% | +4.4 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $651.2M | $552.6M | $484.4M | $68.7M | $1.8M | 1.08% | 2.40% | 0.12% | 30,308 |
| Q4 2025 | $647.3M | $549.9M | $478.7M | $66.9M | $5.1M | 0.79% | 2.15% | 0.10% | 31,119 |
| Q3 2025 | $634.8M | $539.5M | $477.0M | $65.4M | $3.6M | 0.75% | 2.12% | 0.09% | 31,521 |
| Q2 2025 | $631.2M | $538.2M | $464.9M | $63.8M | $2.1M | 0.65% | 2.03% | 0.15% | 31,881 |
| Q1 2025 | $612.9M | $541.2M | $448.3M | $62.6M | $842K | 0.55% | 1.97% | 0.19% | 32,348 |
| Q4 2024 | $618.9M | $535.0M | $435.8M | $61.8M | $2.0M | 0.33% | 1.68% | 0.17% | 32,533 |
| Q3 2024 | $622.4M | $536.7M | $425.8M | $61.0M | $1.2M | 0.26% | 1.59% | 0.18% | 33,016 |
| Q2 2024 | $627.6M | $545.4M | $430.2M | $60.5M | $792K | 0.25% | 1.54% |
| Ratio | Consumer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.62% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.40% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.14% |
| 33,419 |
Loan mix (Q1 2026): real estate $303.1M · commercial $125.8M · consumer $50.8M · securities $81.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 78.3% | 10th |
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 | Consumer 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 | Consumer 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 | Consumer 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 | Consumer 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.