| Metric | Crane Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +5.1% | +3.1 pts |
| Share growth (YoY) | +7.8% | +4.9% | +3.0 pts |
| Loan growth (YoY) | +6.4% | +5.4% | +1.0 pts |
| ROA | 1.46% | 0.71% | +0.8 pts |
| ROE | 11.5% | 6.3% | +5.2 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.19B | $987.8M | $827.8M | $151.0M | $4.3M | 1.46% | 3.68% | 1.15% | 67,762 |
| Q4 2025 | $1.15B | $957.2M | $821.3M | $146.6M | $13.6M | 1.18% | 3.48% | 1.31% | 67,796 |
| Q3 2025 | $1.13B | $941.1M | $812.4M | $144.4M | $9.4M | 1.11% | 3.45% | 1.22% | 68,122 |
| Q2 2025 | $1.11B | $923.5M | $793.3M | $140.8M | $5.8M | 1.05% | 3.42% | 1.48% | 68,164 |
| Q1 2025 | $1.10B | $915.8M | $777.8M | $138.1M | $3.1M | 1.14% | 3.38% | 0.42% | 68,299 |
| Q4 2024 | $1.04B | $854.0M | $777.4M | $135.0M | $12.2M | 1.17% | 3.43% | 0.63% | 68,097 |
| Q3 2024 | $1.06B | $832.1M | $773.7M | $133.8M | $9.0M | 1.13% | 3.32% | 0.54% | 68,143 |
| Q2 2024 | $1.05B | $851.5M | $757.2M | $130.8M | $6.0M | 1.15% | 3.30% |
| Ratio | Crane Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.71% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 6.3% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 68,072 |
Loan mix (Q1 2026): real estate $334.5M · commercial $264.3M · consumer $203.9M · securities $234.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 73.0% | 11th |
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 | Crane 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 | Crane 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 | Crane 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 | Crane 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.