| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.9% | -5.1 pts |
| Share growth (YoY) | -1.6% | +3.3% | -4.9 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.6 pts |
| ROA | 0.98% | 0.69% | +0.3 pts |
| ROE | 8.9% | 5.9% | +3.0 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $455.9M | $407.0M | $273.3M | $49.9M | $1.1M | 0.98% | 3.61% | 0.79% | 35,569 |
| Q4 2025 | $448.7M | $404.3M | $273.5M | $48.8M | $715K | 0.16% | 3.51% | 1.30% | 35,538 |
| Q3 2025 | $454.6M | $407.0M | $274.1M | $49.0M | $751K | 0.22% | 3.40% | 0.77% | 35,581 |
| Q2 2025 | $456.4M | $408.4M | $272.5M | $48.8M | $568K | 0.25% | 3.33% | 0.86% | 35,519 |
| Q1 2025 | $461.2M | $413.6M | $272.4M | $49.2M | $985K | 0.85% | 3.19% | 1.20% | 35,378 |
| Q4 2024 | $447.8M | $399.7M | $279.8M | $48.2M | $-2.6M | -0.57% | 3.21% | 1.09% | 35,289 |
| Q3 2024 | $457.1M | $405.1M | $284.5M | $50.3M | $-510K | -0.15% | 3.11% | 1.18% | 34,875 |
| Q2 2024 | $459.4M | $407.9M | $287.6M | $51.5M | $652K | 0.28% | 3.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Cse Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 34,952 |
Loan mix (Q1 2026): real estate $150.5M · commercial $35.0M · consumer $71.4M · securities $67.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 78.7% | 57th |
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 | Cse 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 | Cse 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 | Cse 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 | Cse 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.