| Metric | Radiant Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.8% | +5.1% | +18.7 pts |
| Share growth (YoY) | +23.6% | +4.9% | +18.7 pts |
| Loan growth (YoY) | +10.4% | +5.4% | +4.9 pts |
| ROA | 0.53% | 0.71% | -0.2 pts |
| ROE | 5.5% | 6.3% | -0.8 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.10B | $945.1M | $737.0M | $105.1M | $1.4M | 0.53% | 3.68% | 0.45% | 61,527 |
| Q4 2025 | $1.06B | $909.1M | $735.5M | $104.6M | $7.2M | 0.69% | 3.12% | 0.54% | 61,290 |
| Q3 2025 | $895.1M | $768.3M | $681.1M | $81.4M | $4.6M | 0.69% | 3.63% | 0.63% | 49,621 |
| Q2 2025 | $895.5M | $772.8M | $677.2M | $79.6M | $2.8M | 0.63% | 3.56% | 0.51% | 49,462 |
| Q1 2025 | $884.5M | $764.9M | $667.8M | $78.4M | $1.2M | 0.54% | 3.51% | 0.56% | 49,270 |
| Q4 2024 | $855.3M | $738.9M | $653.5M | $77.2M | $4.9M | 0.58% | 3.36% | 0.59% | 48,795 |
| Q3 2024 | $842.5M | $724.9M | $645.2M | $76.1M | $3.8M | 0.61% | 3.40% | 0.61% | 48,457 |
| Q2 2024 | $834.2M | $715.7M | $632.3M | $75.6M | $3.4M | 0.81% | 3.43% |
| Ratio | Radiant Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.71% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 6.3% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 48,009 |
Loan mix (Q1 2026): real estate $126.6M · commercial $146.3M · consumer $261.3M · securities $171.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 73.0% | 77th |
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 | Radiant 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 | Radiant 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 | Radiant 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 | Radiant 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.