| Metric | Navigant Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +5.1% | +0.3 pts |
| Share growth (YoY) | +5.1% | +4.9% | +0.3 pts |
| Loan growth (YoY) | +5.1% | +5.4% | -0.3 pts |
| ROA | 0.84% | 0.71% | +0.1 pts |
| ROE | 8.5% | 6.3% | +2.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.18B | $3.63B | $3.63B | $415.3M | $8.8M | 0.84% | 3.01% | 0.33% | 170,060 |
| Q4 2025 | $4.09B | $3.53B | $3.56B | $406.5M | $22.8M | 0.56% | 2.72% | 0.50% | 166,946 |
| Q3 2025 | $4.09B | $3.56B | $3.56B | $402.0M | $17.2M | 0.56% | 2.64% | 0.48% | 166,465 |
| Q2 2025 | $3.98B | $3.46B | $3.48B | $394.6M | $9.8M | 0.49% | 2.62% | 0.43% | 164,353 |
| Q1 2025 | $3.97B | $3.46B | $3.46B | $385.3M | $3.2M | 0.32% | 2.56% | 0.33% | 161,541 |
| Q4 2024 | $3.92B | $3.36B | $3.36B | $382.1M | $16.7M | 0.42% | 2.33% | 0.43% | 157,913 |
| Q3 2024 | $3.88B | $3.36B | $3.28B | $378.5M | $11.9M | 0.41% | 2.30% | 0.38% | 155,333 |
| Q2 2024 | $3.80B | $3.33B | $3.24B | $374.2M | $7.6M | 0.40% | 2.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Navigant Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.71% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 6.3% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 152,932 |
Loan mix (Q1 2026): real estate $2.16B · commercial $350.9M · consumer $914.9M · securities $363.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 73.0% | 44th |
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 | Navigant 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 | Navigant 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 | Navigant 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 | Navigant 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.