| Metric | Clarity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +3.9% | +5.6 pts |
| Share growth (YoY) | +10.0% | +3.3% | +6.7 pts |
| Loan growth (YoY) | +18.5% | +2.9% | +15.6 pts |
| ROA | 0.60% | 0.69% | -0.1 pts |
| ROE | 6.3% | 5.9% | +0.4 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $231.4M | $211.8M | $166.6M | $22.0M | $348K | 0.60% | 4.20% | 1.00% | 19,344 |
| Q4 2025 | $223.5M | $203.8M | $165.6M | $21.7M | $1.3M | 0.59% | 4.32% | 1.23% | 19,103 |
| Q3 2025 | $217.1M | $197.5M | $161.0M | $21.1M | $981K | 0.60% | 4.42% | 1.29% | 19,087 |
| Q2 2025 | $212.6M | $193.4M | $141.4M | $21.6M | $1.2M | 1.12% | 4.47% | 1.67% | 18,705 |
| Q1 2025 | $211.3M | $192.5M | $140.5M | $21.5M | $456K | 0.86% | 4.42% | 1.26% | 18,543 |
| Q4 2024 | $204.3M | $186.3M | $143.9M | $20.4M | $2.2M | 1.06% | 4.40% | 1.72% | 18,529 |
| Q3 2024 | $205.0M | $187.0M | $146.8M | $19.8M | $1.5M | 1.01% | 4.30% | 1.79% | 18,437 |
| Q2 2024 | $205.2M | $185.8M | $146.3M | $18.8M | $627K | 0.61% | 3.96% |
| Ratio | Clarity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.88% |
| 18,274 |
Loan mix (Q1 2026): real estate $61.3M · commercial $215K · consumer $87.3M · securities $19.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 78.7% | 55th |
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 | Clarity 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 | Clarity 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 | Clarity 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 | Clarity 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.