| Metric | Loyalty Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.5 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.5 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 7.9% | 5.9% | +2.0 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $302.9M | $266.3M | $164.5M | $34.1M | $676K | 0.89% | 4.35% | 0.50% | 19,143 |
| Q4 2025 | $298.5M | $261.5M | $166.4M | $33.4M | $3.0M | 1.02% | 4.48% | 0.80% | 19,476 |
| Q3 2025 | $295.2M | $259.4M | $161.9M | $33.1M | $2.4M | 1.07% | 4.52% | 0.73% | 19,842 |
| Q2 2025 | $295.6M | $260.7M | $155.9M | $32.6M | $1.8M | 1.24% | 4.50% | 0.81% | 20,040 |
| Q1 2025 | $297.7M | $264.2M | $156.1M | $31.9M | $1.2M | 1.58% | 4.41% | 0.89% | 20,355 |
| Q4 2024 | $288.9M | $257.3M | $157.2M | $30.8M | $713K | 0.25% | 4.70% | 0.91% | 20,593 |
| Q3 2024 | $293.9M | $261.3M | $155.5M | $30.9M | $220K | 0.10% | 4.64% | 1.14% | 20,850 |
| Q2 2024 | $297.5M | $267.2M | $156.4M | $30.3M | $-378K | -0.25% | 4.61% |
| Ratio | Loyalty Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.11% |
| 21,002 |
Loan mix (Q1 2026): real estate $53.8M · commercial $25.3M · consumer $80.4M · securities $85.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 78.7% | 53th |
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 | Loyalty 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 | Loyalty 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 | Loyalty 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 | Loyalty 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.