| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.8% | +4.0 pts |
| Share growth (YoY) | +9.2% | +4.3% | +4.9 pts |
| Loan growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| ROA | 1.22% | 0.62% | +0.6 pts |
| ROE | 13.0% | 5.9% | +7.1 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $742.0M | $669.6M | $480.7M | $69.4M | $2.3M | 1.22% | 3.32% | 1.10% | 66,965 |
| Q4 2025 | $701.5M | $630.9M | $479.0M | $67.1M | $4.4M | 0.63% | 3.48% | 2.18% | 66,353 |
| Q3 2025 | $680.6M | $609.8M | $472.1M | $66.0M | $3.3M | 0.65% | 3.55% | 2.23% | 66,406 |
| Q2 2025 | $673.2M | $602.0M | $463.9M | $66.0M | $2.3M | 0.69% | 3.50% | 2.31% | 65,864 |
| Q1 2025 | $682.5M | $613.4M | $450.1M | $64.6M | $893K | 0.52% | 3.30% | 1.14% | 65,123 |
| Q4 2024 | $656.1M | $589.0M | $435.1M | $63.7M | $4.7M | 0.72% | 3.15% | 1.29% | 64,409 |
| Q3 2024 | $632.5M | $566.0M | $425.6M | $63.0M | $4.0M | 0.85% | 3.19% | 1.39% | 64,232 |
| Q2 2024 | $630.6M | $561.1M | $415.9M | $62.5M | $2.6M | 0.83% | 3.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Cpm Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.62% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.36% |
| 63,750 |
Loan mix (Q1 2026): real estate $280.3M · commercial $47.3M · consumer $144.9M · securities $93.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 78.3% | 30th |
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 | Cpm Federal 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 | Cpm Federal 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 | Cpm Federal 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 | Cpm Federal 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.