| Metric | Ripple Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.2 pts |
| Loan growth (YoY) | +12.3% | -2.4% | +14.6 pts |
| ROA | 1.70% | 0.60% | +1.1 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.7M | $33.1M | $30.2M | $5.5M | $164K | 1.70% | 4.25% | 0.75% | 2,447 |
| Q4 2025 | $36.3M | $30.9M | $29.9M | $5.4M | $587K | 1.62% | 4.50% | 0.92% | 2,441 |
| Q3 2025 | $36.2M | $30.9M | $29.6M | $5.3M | $455K | 1.68% | 4.49% | 0.63% | 2,442 |
| Q2 2025 | $36.2M | $31.1M | $28.7M | $5.1M | $265K | 1.47% | 4.39% | 1.24% | 2,440 |
| Q1 2025 | $36.5M | $31.6M | $26.9M | $4.9M | $102K | 1.12% | 4.22% | 2.36% | 2,428 |
| Q4 2024 | $35.7M | $30.9M | $27.0M | $4.8M | $592K | 1.66% | 4.33% | 2.62% | 2,430 |
| Q3 2024 | $35.3M | $30.6M | $26.6M | $4.8M | $476K | 1.80% | 4.36% | 3.01% | 2,426 |
| Q2 2024 | $35.2M | $30.5M | $26.7M | $4.2M | $262K | 1.49% | 4.26% | 2.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Ripple Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,420 |
Loan mix (Q1 2026): real estate $19.5M · commercial $0 · consumer $8.5M · securities $383K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 81.5% | 17th |
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 | Ripple 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 | Ripple 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 | Ripple 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 | Ripple 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.