| Metric | Core Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | +5.5% | +2.9% | +2.6 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $151.0M | $129.8M | $91.4M | $19.0M | $315K | 0.83% | 3.98% | 0.32% | 15,569 |
| Q4 2025 | $147.8M | $127.0M | $90.1M | $18.7M | $1.1M | 0.77% | 4.15% | 0.33% | 15,516 |
| Q3 2025 | $147.0M | $126.6M | $89.4M | $18.5M | $893K | 0.81% | 4.15% | 0.38% | 15,599 |
| Q2 2025 | $148.9M | $128.5M | $88.6M | $18.2M | $570K | 0.77% | 4.07% | 0.37% | 15,565 |
| Q1 2025 | $146.3M | $126.9M | $86.6M | $17.9M | $250K | 0.68% | 4.01% | 0.37% | 15,565 |
| Q4 2024 | $142.0M | $123.0M | $86.7M | $17.7M | $611K | 0.43% | 3.92% | 0.44% | 15,601 |
| Q3 2024 | $140.0M | $121.3M | $88.4M | $17.5M | $455K | 0.43% | 3.90% | 0.57% | 15,621 |
| Q2 2024 | $140.8M | $121.1M | $89.4M | $17.4M | $320K | 0.45% | 3.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Core Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 15,677 |
Loan mix (Q1 2026): real estate $26.0M · commercial $0 · consumer $59.4M · securities $28.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 78.7% | 69th |
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 | Core 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 | Core 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 | Core 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 | Core 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 | Core 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.
5 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Bulloch, GA, ranked 5th with 7.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bulloch, GA | 3 | $77.1M* | 7.91% | 5th |
| Chatham, GA | 2 | $51.4M* | 0.61% | 26th |
Georgia: 172nd with 0.04% · Savannah metro: 29th, 0.49% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5