| Metric | Novation Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 1.09% | 0.69% | +0.4 pts |
| ROE | 10.5% | 5.9% | +4.6 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $252.3M | $225.1M | $172.1M | $26.2M | $691K | 1.09% | 3.49% | 0.66% | 14,384 |
| Q4 2025 | $241.8M | $214.9M | $171.2M | $25.5M | $2.8M | 1.17% | 3.49% | 0.66% | 14,498 |
| Q3 2025 | $240.2M | $214.3M | $170.6M | $24.7M | $2.0M | 1.11% | 3.46% | 0.58% | 14,681 |
| Q2 2025 | $239.7M | $214.7M | $166.3M | $24.0M | $1.3M | 1.06% | 3.41% | 0.46% | 15,016 |
| Q1 2025 | $244.8M | $220.5M | $167.4M | $23.4M | $638K | 1.04% | 3.28% | 0.40% | 15,343 |
| Q4 2024 | $232.5M | $208.6M | $165.1M | $22.8M | $2.5M | 1.09% | 3.24% | 0.49% | 17,176 |
| Q3 2024 | $229.1M | $205.9M | $165.7M | $22.1M | $1.9M | 1.08% | 3.24% | 0.42% | 17,173 |
| Q2 2024 | $229.3M | $207.3M | $160.4M | $21.4M | $1.1M | 0.93% | 3.17% |
| Ratio | Novation Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.69% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 17,127 |
Loan mix (Q1 2026): real estate $84.3M · commercial $0 · consumer $67.7M · securities $25.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 78.7% | 34th |
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 | Novation 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 | Novation 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 | Novation 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 | Novation 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.