| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +7.7% | +0.7% | +7.0 pts |
| Loan growth (YoY) | -12.5% | -2.4% | -10.2 pts |
| ROA | 1.04% | 0.60% | +0.4 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.1M | $35.4M | $8.9M | $3.6M | $102K | 1.04% | 2.56% | 4.15% | 2,201 |
| Q4 2025 | $38.1M | $34.5M | $9.2M | $3.5M | $219K | 0.58% | 2.58% | 3.01% | 2,218 |
| Q3 2025 | $37.5M | $34.0M | $9.4M | $3.6M | $186K | 0.66% | 2.55% | 2.57% | 2,233 |
| Q2 2025 | $37.7M | $34.2M | $9.8M | $3.5M | $93K | 0.49% | 2.51% | 2.72% | 2,253 |
| Q1 2025 | $36.3M | $32.9M | $10.1M | $3.5M | $47K | 0.52% | 2.64% | 2.77% | 2,268 |
| Q4 2024 | $35.9M | $32.5M | $10.4M | $3.4M | $62K | 0.17% | 2.37% | 2.41% | 2,310 |
| Q3 2024 | $35.6M | $32.2M | $10.7M | $3.5M | $36K | 0.14% | 2.39% | 0.14% | 2,320 |
| Q2 2024 | $36.1M | $32.8M | $11.0M | $3.5M | $3K | 0.02% | 2.38% | 0.97% |
| Ratio | Bva Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,327 |
Loan mix (Q1 2026): real estate $5.4M · commercial $0 · consumer $3.2M · securities $23.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 81.5% | 77th |
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 | Bva 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 | Bva 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 | Bva 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 | Bva 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.