| Metric | Redbrand Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | +7.4% | -2.4% | +9.8 pts |
| ROA | 0.97% | 0.60% | +0.4 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $76.3M | $67.0M | $37.9M | $9.3M | $184K | 0.97% | 3.77% | 0.19% | 7,276 |
| Q4 2025 | $73.8M | $64.6M | $39.5M | $9.2M | $540K | 0.73% | 3.78% | 0.36% | 7,314 |
| Q3 2025 | $72.9M | $63.1M | $39.9M | $9.0M | $412K | 0.75% | 3.77% | 0.39% | 7,410 |
| Q2 2025 | $73.3M | $64.6M | $35.7M | $8.8M | $216K | 0.59% | 3.67% | 0.49% | 7,295 |
| Q1 2025 | $74.5M | $65.9M | $35.3M | $8.7M | $86K | 0.46% | 3.48% | 0.50% | 7,269 |
| Q4 2024 | $72.1M | $63.3M | $35.7M | $8.6M | $555K | 0.77% | 3.66% | 0.18% | 7,237 |
| Q3 2024 | $74.4M | $64.9M | $38.1M | $8.6M | $513K | 0.92% | 3.54% | 0.26% | 7,318 |
| Q2 2024 | $75.6M | $66.7M | $35.2M | $8.4M | $349K | 0.92% | 3.38% | 0.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Redbrand Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,282 |
Loan mix (Q1 2026): real estate $5.3M · commercial $0 · consumer $28.0M · securities $21.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 81.5% | 48th |
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 | Redbrand 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 | Redbrand 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 | Redbrand 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 | Redbrand 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.