| Metric | Day Air Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.8% | -0.2 pts |
| Share growth (YoY) | +5.0% | +4.3% | +0.7 pts |
| Loan growth (YoY) | -0.3% | +4.3% | -4.6 pts |
| ROA | 2.20% | 0.62% | +1.6 pts |
| ROE | 15.2% | 5.9% | +9.3 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $892.9M | $733.7M | $692.7M | $129.5M | $4.9M | 2.20% | 3.38% | 0.86% | 53,982 |
| Q4 2025 | $890.6M | $731.3M | $716.2M | $124.5M | $14.1M | 1.58% | 3.44% | 0.99% | 53,885 |
| Q3 2025 | $873.0M | $715.4M | $717.9M | $121.0M | $10.2M | 1.55% | 3.40% | 0.77% | 53,817 |
| Q2 2025 | $869.5M | $717.1M | $712.2M | $117.8M | $7.0M | 1.61% | 3.31% | 0.76% | 53,567 |
| Q1 2025 | $853.9M | $699.0M | $694.9M | $114.4M | $3.5M | 1.64% | 3.21% | 0.73% | 53,210 |
| Q4 2024 | $819.3M | $679.9M | $672.2M | $110.9M | $11.2M | 1.36% | 3.05% | 0.92% | 52,664 |
| Q3 2024 | $826.1M | $662.5M | $664.0M | $109.0M | $8.9M | 1.44% | 2.94% | 0.84% | 52,563 |
| Q2 2024 | $821.0M | $664.0M | $641.7M | $106.1M | $6.0M | 1.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Day Air Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.20% | 0.62% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.87% |
| 0.78% |
| 52,092 |
Loan mix (Q1 2026): real estate $255.9M · commercial $96.7M · consumer $334.0M · securities $88.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.6% | 78.3% | 3th |
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 | Day Air 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 | Day Air 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 | Day Air 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 | Day Air 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.