| Metric | Naveo Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | -0.8% | +3.3% | -4.0 pts |
| Loan growth (YoY) | +4.6% | +2.9% | +1.7 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 4.1% | 5.9% | -1.9 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $174.6M | $153.4M | $110.7M | $15.0M | $151K | 0.35% | 3.56% | 0.94% | 6,681 |
| Q4 2025 | $172.4M | $151.3M | $109.1M | $14.8M | $332K | 0.19% | 3.35% | 0.37% | 6,701 |
| Q3 2025 | $178.2M | $152.6M | $109.1M | $14.7M | $234K | 0.17% | 3.18% | 0.53% | 6,872 |
| Q2 2025 | $178.9M | $151.7M | $112.4M | $14.6M | $152K | 0.17% | 3.12% | 0.54% | 6,969 |
| Q1 2025 | $172.8M | $154.6M | $105.8M | $14.5M | $36K | 0.08% | 3.15% | 0.05% | 6,969 |
| Q4 2024 | $171.3M | $153.8M | $106.1M | $14.5M | $85K | 0.05% | 3.05% | 0.00% | 7,022 |
| Q3 2024 | $178.7M | $156.2M | $109.7M | $14.5M | $79K | 0.06% | 2.92% | 0.03% | 7,171 |
| Q2 2024 | $177.6M | $160.9M | $107.9M | $14.5M | $76K | 0.09% | 2.94% |
| Ratio | Naveo Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 7,126 |
Loan mix (Q1 2026): real estate $80.9M · commercial $23.6M · consumer $6.0M · securities $53.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 78.7% | 86th |
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 | Naveo 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 | Naveo 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 | Naveo 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 | Naveo 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.