| Metric | Launch Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.1% | -4.1 pts |
| Share growth (YoY) | +2.8% | +4.9% | -2.1 pts |
| Loan growth (YoY) | +5.3% | +5.4% | -0.2 pts |
| ROA | 0.21% | 0.71% | -0.5 pts |
| ROE | 2.4% | 6.3% | -3.9 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 | $1.46B | $1.21B | $1.12B | $133.4M | $785K | 0.21% | 3.85% | 0.25% | 85,017 |
| Q4 2025 | $1.44B | $1.19B | $1.12B | $132.6M | $7.7M | 0.53% | 4.03% | 0.31% | 86,606 |
| Q3 2025 | $1.43B | $1.18B | $1.08B | $129.7M | $4.8M | 0.45% | 3.94% | 0.34% | 86,176 |
| Q2 2025 | $1.42B | $1.18B | $1.07B | $126.5M | $1.5M | 0.21% | 3.54% | 0.28% | 85,638 |
| Q1 2025 | $1.44B | $1.18B | $1.06B | $126.1M | $724K | 0.20% | 3.39% | 0.25% | 85,017 |
| Q4 2024 | $1.40B | $1.14B | $1.08B | $125.4M | $4.8M | 0.34% | 3.60% | 0.39% | 84,795 |
| Q3 2024 | $1.39B | $1.14B | $1.09B | $124.4M | $3.7M | 0.36% | 3.62% | 0.38% | 85,082 |
| Q2 2024 | $1.40B | $1.14B | $1.11B | $123.6M | $3.0M | 0.42% | 3.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Launch Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.71% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 6.3% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 85,159 |
Loan mix (Q1 2026): real estate $389.1M · commercial $349.1M · consumer $337.6M · securities $57.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 73.0% | 92th |
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 | Launch 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 | Launch 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 | Launch 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 | Launch 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.