| Metric | Ripco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.9% | +1.0 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | +2.7% | +2.9% | -0.2 pts |
| ROA | 0.41% | 0.69% | -0.3 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $188.8M | $168.4M | $123.7M | $18.6M | $191K | 0.41% | 4.80% | 0.61% | 12,977 |
| Q4 2025 | $184.4M | $164.8M | $126.5M | $18.4M | $474K | 0.26% | 4.86% | 0.99% | 12,674 |
| Q3 2025 | $181.1M | $161.9M | $126.6M | $18.0M | $-16K | -0.01% | 4.86% | 0.98% | 12,757 |
| Q2 2025 | $182.2M | $163.0M | $128.3M | $17.6M | $-409K | -0.45% | 4.71% | 0.58% | 12,783 |
| Q1 2025 | $180.0M | $161.1M | $120.4M | $17.8M | $-274K | -0.61% | 4.55% | 0.62% | 12,685 |
| Q4 2024 | $176.9M | $158.8M | $117.3M | $18.0M | $303K | 0.17% | 4.40% | 0.65% | 12,868 |
| Q3 2024 | $177.6M | $159.0M | $112.8M | $18.1M | $237K | 0.18% | 4.29% | 0.67% | 12,796 |
| Q2 2024 | $177.3M | $159.6M | $112.0M | $18.1M | $213K | 0.24% | 4.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Ripco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 12,780 |
Loan mix (Q1 2026): real estate $49.3M · commercial $3.0M · consumer $57.1M · securities $29.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 78.7% | 83th |
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 | Ripco 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 | Ripco 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 | Ripco 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 | Ripco 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.