| Metric | Comenity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +5.5% | -6.4 pts |
| Deposit growth (YoY) | +17.7% | +5.1% | +12.7 pts |
| Loan growth (YoY) | -0.8% | +5.9% | -6.7 pts |
| ROA | 4.96% | 1.26% | +3.7 pts |
| ROE | 36.4% | 12.2% | +24.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.37B | $4.01B | $5.59B | $1.02B | $189.3M | 4.96% | 21.93% | 2.78% |
| Q1 2026 | $7.77B | $3.96B | $5.64B | $1.05B | $101.9M | 5.25% | 22.18% | 2.85% |
| Q4 2025 | $7.76B | $3.74B | $5.99B | $1.05B | $375.5M | 4.91% | 21.85% | 3.11% |
| Q3 2025 | $7.31B | $3.62B | $5.59B | $1.01B | $313.9M | 5.49% | 21.88% | 3.24% |
| Q2 2025 | $7.44B | $3.40B | $5.64B | $1.06B | $189.7M | 4.91% | 21.52% | 3.06% |
| Q1 2025 | $7.66B | $3.22B | $5.74B | $1.17B | $101.8M | 5.17% | 21.59% | 3.24% |
| Q4 2024 | $8.09B | $3.26B | $6.14B | $1.11B | $368.2M | 4.58% | 21.65% | 3.34% |
| Q3 2024 | $7.52B | $3.20B | $5.76B | $1.11B | $321.9M | 5.35% | 22.21% | 3.71% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.32B · securities $89.6M
| Ratio | Comenity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.96% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 36.4% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 21.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 59.0% | 23th |
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 | Comenity Bank | 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 | Comenity Bank | 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 | Comenity Bank | 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 | Comenity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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