| Metric | Journey Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.3 pts |
| Loan growth (YoY) | +6.3% | -2.4% | +8.6 pts |
| ROA | 1.50% | 0.60% | +0.9 pts |
| ROE | 9.0% | 4.1% | +4.9 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.2M | $79.3M | $55.8M | $16.1M | $362K | 1.50% | 3.65% | 1.38% | 5,153 |
| Q4 2025 | $92.8M | $76.1M | $55.8M | $15.7M | $1.4M | 1.55% | 3.79% | 1.89% | 5,151 |
| Q3 2025 | $91.7M | $75.4M | $54.8M | $15.3M | $1.0M | 1.51% | 3.64% | 1.60% | 5,162 |
| Q2 2025 | $92.6M | $76.9M | $53.3M | $14.9M | $666K | 1.44% | 3.53% | 1.62% | 5,143 |
| Q1 2025 | $91.0M | $75.6M | $52.5M | $14.6M | $347K | 1.53% | 3.52% | 1.37% | 5,132 |
| Q4 2024 | $88.1M | $73.0M | $52.4M | $14.3M | $1.5M | 1.68% | 3.53% | 1.53% | 5,140 |
| Q3 2024 | $88.1M | $73.3M | $51.8M | $14.0M | $1.2M | 1.86% | 3.50% | 1.51% | 5,156 |
| Q2 2024 | $86.3M | $71.5M | $49.5M | $13.6M | $821K | 1.90% | 3.49% | 1.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Journey Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,059 |
Loan mix (Q1 2026): real estate $20.0M · commercial $4.7M · consumer $25.9M · securities $19.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 81.5% | 12th |
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 | Journey 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 | Journey 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 | Journey 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 | Journey 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.