| Metric | Create Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.1% | +1.3 pts |
| Share growth (YoY) | +5.7% | +4.8% | +0.8 pts |
| Loan growth (YoY) | +16.4% | +5.4% | +11.0 pts |
| ROA | 1.42% | 0.80% | +0.6 pts |
| ROE | 12.2% | 7.4% | +4.9 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.64B | $1.45B | $1.09B | $191.0M | $11.7M | 1.42% | 3.26% | 0.46% | 61,329 |
| Q1 2026 | $1.61B | $1.43B | $1.08B | $183.2M | $3.8M | 0.95% | 3.25% | 0.41% | 60,753 |
| Q4 2025 | $1.58B | $1.40B | $1.05B | $179.3M | $14.8M | 0.93% | 3.01% | 0.47% | 59,912 |
| Q3 2025 | $1.54B | $1.37B | $1.01B | $174.5M | $9.9M | 0.86% | 3.03% | 0.45% | 59,063 |
| Q2 2025 | $1.55B | $1.38B | $982.3M | $170.1M | $5.6M | 0.72% | 2.91% | 0.38% | 58,077 |
| Q1 2025 | $1.51B | $1.35B | $923.5M | $166.9M | $2.4M | 0.63% | 2.79% | 0.43% | 57,056 |
| Q4 2024 | $1.43B | $1.27B | $872.9M | $164.9M | $13.6M | 0.95% | 2.86% | 0.67% | 55,783 |
| Q3 2024 | $1.38B | $1.22B | $863.5M | $160.6M | $9.3M | 0.90% | 2.94% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Create Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.71% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 6.3% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.51% |
| 54,908 |
| Q2 2024 | $1.30B | $1.15B | $865.0M | $157.8M | $6.5M | 1.00% | 3.10% | 0.38% | 53,904 |
Loan mix (Q2 2026): real estate $377.2M · commercial $370.6M · consumer $339.4M · securities $226.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 73.0% | 39th |
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 | Create 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 | Create 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 | Create 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 | Create 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 | Create 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.
7 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Clark, NV, ranked 13th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, NV | 7 | $1.38B* | 1.25% | 13th |
Nevada: 15th with 1.01% · Las Vegas-Henderson-North Las Vegas metro: 13th, 1.25% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 7