| Metric | Holley Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.9% | +2.5 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | +11.6% | +2.9% | +8.7 pts |
| ROA | 1.69% | 0.69% | +1.0 pts |
| ROE | 12.1% | 5.9% | +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 | $102.0M | $86.6M | $77.2M | $14.2M | $430K | 1.69% | 3.86% | 0.52% | 9,328 |
| Q4 2025 | $99.9M | $85.1M | $76.2M | $13.7M | $1.6M | 1.55% | 3.75% | 0.68% | 9,154 |
| Q3 2025 | $97.8M | $83.0M | $75.5M | $13.4M | $1.2M | 1.64% | 3.75% | 0.75% | 8,993 |
| Q2 2025 | $97.4M | $82.8M | $73.4M | $12.9M | $724K | 1.49% | 3.56% | 0.56% | 8,771 |
| Q1 2025 | $95.9M | $82.2M | $69.2M | $12.5M | $331K | 1.38% | 3.42% | 0.52% | 8,537 |
| Q4 2024 | $92.6M | $78.9M | $65.1M | $12.2M | $1.1M | 1.24% | 3.19% | 0.39% | 8,327 |
| Q3 2024 | $91.8M | $78.6M | $65.0M | $11.9M | $854K | 1.24% | 3.14% | 0.43% | 8,214 |
| Q2 2024 | $90.8M | $77.5M | $64.8M | $11.6M | $539K | 1.19% | 3.09% | 0.37% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Holley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,071 |
Loan mix (Q1 2026): real estate $0 · commercial $128K · consumer $70.2M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 78.7% | 5th |
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 | Holley 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 | Holley 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 | Holley 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 | Holley 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.