| Metric | Revity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +4.8% | +7.1 pts |
| Share growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +14.6% | +4.3% | +10.2 pts |
| ROA | 0.98% | 0.62% | +0.4 pts |
| ROE | 9.8% | 5.9% | +3.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $529.3M | $425.7M | $308.6M | $52.6M | $1.3M | 0.98% | 3.73% | 0.27% | 36,740 |
| Q4 2025 | $481.1M | $413.7M | $304.5M | $57.5M | $3.5M | 0.73% | 3.19% | 0.22% | 36,457 |
| Q3 2025 | $498.9M | $407.3M | $299.5M | $56.3M | $2.0M | 0.53% | 2.94% | 0.28% | 36,950 |
| Q2 2025 | $500.7M | $413.4M | $291.8M | $55.4M | $1.0M | 0.40% | 2.79% | 0.37% | 36,948 |
| Q1 2025 | $473.2M | $414.4M | $269.4M | $54.7M | $295K | 0.25% | 2.78% | 0.41% | 36,677 |
| Q4 2024 | $460.7M | $404.5M | $265.8M | $54.4M | $1.1M | 0.23% | 2.56% | 0.38% | 36,569 |
| Q3 2024 | $457.4M | $398.4M | $264.7M | $55.3M | $1.5M | 0.44% | 2.53% | 0.40% | 37,060 |
| Q2 2024 | $457.6M | $404.6M | $263.6M | $54.6M | $844K | 0.37% | 2.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Revity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.62% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 37,166 |
Loan mix (Q1 2026): real estate $79.2M · commercial $32.6M · consumer $163.2M · securities $175.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 78.3% | 40th |
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 | Revity 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 | Revity 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 | Revity 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 | Revity 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.