| Metric | County Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.9% | +0.7% | +2.2 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.3 pts |
| ROA | -0.33% | 0.60% | -0.9 pts |
| ROE | -2.8% | 4.1% | -7.0 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.2M | $22.9M | $12.0M | $3.0M | $-21K | -0.33% | 4.67% | 0.57% | 1,953 |
| Q4 2025 | $25.6M | $22.2M | $11.9M | $3.0M | $80K | 0.31% | 4.79% | 0.97% | 1,956 |
| Q3 2025 | $25.5M | $22.1M | $11.5M | $3.1M | $104K | 0.54% | 5.24% | 1.02% | 1,952 |
| Q2 2025 | $25.4M | $22.1M | $11.9M | $3.0M | $40K | 0.32% | 4.92% | 2.21% | 1,948 |
| Q1 2025 | $25.6M | $22.3M | $12.0M | $3.0M | $-27K | -0.43% | 4.69% | 1.90% | 1,960 |
| Q4 2024 | $25.3M | $22.0M | $12.6M | $3.0M | $210K | 0.83% | 4.60% | 0.91% | 1,977 |
| Q3 2024 | $25.7M | $22.2M | $12.2M | $3.1M | $232K | 1.20% | 4.46% | 1.03% | 1,969 |
| Q2 2024 | $25.0M | $21.7M | $12.2M | $2.9M | $79K | 0.63% | 4.49% | 1.39% |
| Ratio | County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,968 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $9.2M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.6% | 81.5% | 76th |
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 | County 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 | County 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 | County 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 | County 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.