| Metric | Consumers Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +5.1% | +4.0 pts |
| Share growth (YoY) | +4.7% | +4.9% | -0.2 pts |
| Loan growth (YoY) | +9.3% | +5.4% | +3.8 pts |
| ROA | 0.23% | 0.71% | -0.5 pts |
| ROE | 2.7% | 6.3% | -3.6 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.57B | $3.63B | $3.10B | $391.0M | $2.6M | 0.23% | 3.23% | 0.91% | 282,016 |
| Q4 2025 | $4.50B | $3.55B | $3.12B | $388.4M | $27.8M | 0.62% | 3.23% | 0.93% | 279,428 |
| Q3 2025 | $4.39B | $3.46B | $3.02B | $381.3M | $20.7M | 0.63% | 3.28% | 0.90% | 276,500 |
| Q2 2025 | $4.30B | $3.45B | $2.95B | $378.1M | $13.3M | 0.62% | 3.22% | 0.86% | 270,511 |
| Q1 2025 | $4.19B | $3.47B | $2.83B | $369.8M | $5.1M | 0.48% | 3.11% | 0.95% | 265,552 |
| Q4 2024 | $4.03B | $3.29B | $2.82B | $364.8M | $11.3M | 0.28% | 2.82% | 1.15% | 263,460 |
| Q3 2024 | $3.54B | $2.80B | $2.47B | $322.9M | $12.5M | 0.47% | 3.07% | 1.26% | 228,456 |
| Q2 2024 | $3.52B | $2.82B | $2.48B | $319.4M | $5.0M | 0.28% | 3.04% |
| Ratio | Consumers Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.71% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 6.3% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.18% |
| 226,273 |
Loan mix (Q1 2026): real estate $957.6M · commercial $342.0M · consumer $1.75B · securities $562.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 73.0% | 61th |
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 | Consumers 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 | Consumers 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 | Consumers 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 | Consumers 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.