| Metric | Ignite Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.9% | -3.9 pts |
| Share growth (YoY) | +0.0% | +3.3% | -3.3 pts |
| Loan growth (YoY) | +3.3% | +2.9% | +0.4 pts |
| ROA | 0.06% | 0.69% | -0.6 pts |
| ROE | 0.6% | 5.9% | -5.4 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $376.3M | $333.7M | $291.4M | $38.3M | $56K | 0.06% | 4.36% | 0.79% | 30,075 |
| Q4 2025 | $371.2M | $329.7M | $295.9M | $38.2M | $407K | 0.11% | 4.63% | 1.03% | 30,282 |
| Q3 2025 | $374.1M | $330.1M | $295.9M | $39.0M | $754K | 0.27% | 4.66% | 1.07% | 30,559 |
| Q2 2025 | $374.2M | $330.5M | $290.2M | $38.9M | $672K | 0.36% | 4.68% | 0.83% | 30,615 |
| Q1 2025 | $376.1M | $333.6M | $282.1M | $38.6M | $341K | 0.36% | 4.58% | 0.48% | 30,797 |
| Q4 2024 | $364.6M | $324.4M | $285.6M | $38.2M | $849K | 0.23% | 3.49% | 0.68% | 31,015 |
| Q3 2024 | $370.2M | $326.8M | $284.5M | $38.7M | $1.1M | 0.40% | 3.01% | 1.02% | 30,979 |
| Q2 2024 | $227.1M | $204.2M | $173.5M | $22.0M | $217K | 0.19% | 3.57% |
| Ratio | Ignite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.31% |
| 17,445 |
Loan mix (Q1 2026): real estate $118.7M · commercial $36.0M · consumer $127.2M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.6% | 78.7% | 95th |
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 | Ignite 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 | Ignite 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 | Ignite 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 | Ignite 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.