| Metric | On Tap Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.3% | +3.9% | +12.4 pts |
| Share growth (YoY) | +10.3% | +3.3% | +7.0 pts |
| Loan growth (YoY) | +1.6% | +2.9% | -1.4 pts |
| ROA | 3.12% | 0.69% | +2.4 pts |
| ROE | 34.1% | 5.9% | +28.1 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $457.0M | $377.5M | $309.9M | $41.9M | $3.6M | 3.12% | 2.95% | 1.25% | 19,362 |
| Q4 2025 | $419.6M | $347.2M | $303.6M | $38.3M | $1.1M | 0.27% | 3.21% | 1.05% | 19,350 |
| Q3 2025 | $415.1M | $343.4M | $296.9M | $37.9M | $629K | 0.20% | 3.22% | 1.16% | 19,327 |
| Q2 2025 | $386.5M | $336.1M | $299.3M | $37.6M | $352K | 0.18% | 3.40% | 0.93% | 19,269 |
| Q1 2025 | $392.8M | $342.3M | $305.1M | $37.3M | $33K | 0.03% | 3.29% | 0.86% | 19,254 |
| Q4 2024 | $384.8M | $334.9M | $309.2M | $37.3M | $676K | 0.18% | 3.32% | 0.54% | 19,206 |
| Q3 2024 | $399.7M | $327.4M | $317.3M | $37.2M | $574K | 0.19% | 3.23% | 0.44% | 19,163 |
| Q2 2024 | $411.2M | $332.2M | $318.7M | $37.0M | $357K | 0.17% | 3.17% |
| Ratio | On Tap Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.12% | 0.69% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 34.1% | 5.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 19,192 |
Loan mix (Q1 2026): real estate $195.8M · commercial $29.2M · consumer $82.1M · securities $76.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 78.7% | 2th |
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 | On Tap 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 | On Tap 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 | On Tap 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 | On Tap 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.