| Metric | Jolt Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.9 pts |
| Share growth (YoY) | +3.5% | +3.3% | +0.2 pts |
| Loan growth (YoY) | +1.0% | +2.9% | -1.9 pts |
| ROA | 0.40% | 0.69% | -0.3 pts |
| ROE | 3.9% | 5.9% | -2.0 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $483.4M | $415.8M | $249.5M | $49.2M | $485K | 0.40% | 3.66% | 0.38% | 27,415 |
| Q4 2025 | $472.5M | $404.4M | $250.9M | $48.7M | $3.8M | 0.80% | 3.63% | 0.30% | 27,518 |
| Q3 2025 | $471.1M | $394.6M | $247.1M | $47.5M | $2.3M | 0.66% | 3.57% | 0.25% | 27,635 |
| Q2 2025 | $471.7M | $398.4M | $246.0M | $47.0M | $1.8M | 0.75% | 3.50% | 0.20% | 27,526 |
| Q1 2025 | $473.6M | $401.9M | $247.0M | $46.3M | $1.1M | 0.96% | 3.33% | 0.29% | 27,644 |
| Q4 2024 | $465.3M | $397.5M | $252.0M | $45.2M | $1.4M | 0.31% | 2.97% | 0.40% | 27,717 |
| Q3 2024 | $459.4M | $396.9M | $255.4M | $44.1M | $70K | 0.02% | 2.92% | 0.26% | 27,834 |
| Q2 2024 | $464.8M | $403.8M | $256.7M | $43.7M | $-418K | -0.18% | 2.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Jolt Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 27,837 |
Loan mix (Q1 2026): real estate $145.8M · commercial $959K · consumer $83.1M · securities $138.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 78.7% | 80th |
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 | Jolt 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 | Jolt 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 | Jolt 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 | Jolt 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.