| Metric | Cport Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | +6.1% | +2.9% | +3.2 pts |
| ROA | 0.26% | 0.69% | -0.4 pts |
| ROE | 2.5% | 5.9% | -3.5 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $439.2M | $391.5M | $296.9M | $45.9M | $284K | 0.26% | 3.38% | 0.90% | 37,387 |
| Q4 2025 | $425.7M | $378.5M | $293.8M | $45.6M | $2.2M | 0.51% | 3.56% | 1.43% | 36,902 |
| Q3 2025 | $415.2M | $368.5M | $289.3M | $45.5M | $1.5M | 0.49% | 3.64% | 1.10% | 36,516 |
| Q2 2025 | $416.8M | $370.8M | $284.1M | $45.1M | $1.1M | 0.54% | 3.60% | 1.20% | 36,190 |
| Q1 2025 | $428.2M | $383.0M | $279.9M | $44.5M | $534K | 0.50% | 3.40% | 0.53% | 35,537 |
| Q4 2024 | $415.8M | $372.2M | $287.5M | $43.9M | $2.9M | 0.69% | 3.54% | 0.70% | 35,045 |
| Q3 2024 | $417.7M | $372.6M | $289.7M | $43.9M | $2.3M | 0.74% | 3.47% | 0.81% | 34,840 |
| Q2 2024 | $423.0M | $376.3M | $295.6M | $43.3M | $1.7M | 0.81% | 3.41% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Cport Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.69% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.87% |
| 34,154 |
Loan mix (Q1 2026): real estate $174.8M · commercial $46.6M · consumer $70.3M · securities $35.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 78.7% | 93th |
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 | Cport 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 | Cport 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 | Cport 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 | Cport 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.