| Metric | B&V Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.0 pts |
| Loan growth (YoY) | -17.2% | -2.4% | -14.8 pts |
| ROA | 1.91% | 0.60% | +1.3 pts |
| ROE | 10.3% | 4.1% | +6.2 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.0M | $34.8M | $13.3M | $8.0M | $205K | 1.91% | 2.34% | 1.09% | 4,438 |
| Q4 2025 | $41.9M | $33.9M | $14.5M | $7.8M | $258K | 0.62% | 2.01% | 0.93% | 4,464 |
| Q3 2025 | $42.0M | $34.0M | $15.2M | $7.7M | $202K | 0.64% | 1.94% | 0.95% | 4,532 |
| Q2 2025 | $44.1M | $36.3M | $15.7M | $7.5M | $5K | 0.02% | 1.75% | 1.58% | 4,560 |
| Q1 2025 | $44.5M | $36.8M | $16.1M | $7.5M | $-19K | -0.17% | 1.60% | 1.16% | 4,699 |
| Q4 2024 | $46.7M | $39.0M | $17.5M | $7.5M | $-308K | -0.66% | 1.26% | 0.81% | 4,721 |
| Q3 2024 | $48.5M | $40.5M | $17.7M | $7.6M | $-258K | -0.71% | 1.13% | 1.23% | 4,734 |
| Q2 2024 | $49.2M | $41.3M | $18.8M | $7.6M | $-244K | -0.99% | 1.05% | 2.01% |
| Ratio | B&V Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,758 |
Loan mix (Q1 2026): real estate $5.5M · commercial $0 · consumer $7.6M · securities $24.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 81.5% | 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 | B&V 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 | B&V 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 | B&V 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 | B&V 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.