| Metric | Corda Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.8% | +4.8 pts |
| Share growth (YoY) | +8.3% | +4.3% | +4.0 pts |
| Loan growth (YoY) | +8.9% | +4.3% | +4.6 pts |
| ROA | 0.55% | 0.62% | -0.1 pts |
| ROE | 5.7% | 5.9% | -0.2 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $748.9M | $599.0M | $637.6M | $72.5M | $1.0M | 0.55% | 3.68% | 0.70% | 27,148 |
| Q4 2025 | $726.3M | $575.6M | $621.9M | $71.4M | $-488K | -0.07% | 3.57% | 0.89% | 26,718 |
| Q3 2025 | $724.0M | $559.6M | $619.1M | $70.2M | $-2.1M | -0.38% | 3.48% | 0.76% | 26,343 |
| Q2 2025 | $721.0M | $561.3M | $616.9M | $73.8M | $1.5M | 0.43% | 3.37% | 0.76% | 25,784 |
| Q1 2025 | $683.3M | $553.2M | $585.3M | $72.7M | $361K | 0.21% | 3.45% | 0.63% | 26,070 |
| Q4 2024 | $686.7M | $534.3M | $588.3M | $72.3M | $5.2M | 0.75% | 3.19% | 0.79% | 25,935 |
| Q3 2024 | $692.2M | $521.9M | $585.7M | $71.3M | $3.8M | 0.73% | 3.04% | 0.72% | 25,842 |
| Q2 2024 | $674.2M | $518.9M | $579.7M | $69.8M | $2.3M | 0.67% | 3.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Corda Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.62% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.83% |
| 25,734 |
Loan mix (Q1 2026): real estate $248.9M · commercial $37.1M · consumer $206.8M · securities $31.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 78.3% | 39th |
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 | Corda 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 | Corda 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 | Corda 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 | Corda 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.