| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.1 pts |
| Share growth (YoY) | +8.5% | +3.3% | +5.2 pts |
| Loan growth (YoY) | +5.1% | +2.9% | +2.2 pts |
| ROA | 0.14% | 0.69% | -0.5 pts |
| ROE | 1.3% | 5.9% | -4.7 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $178.3M | $157.5M | $136.2M | $20.0M | $64K | 0.14% | 3.94% | 0.84% | 15,767 |
| Q4 2025 | $172.3M | $151.5M | $134.2M | $20.0M | $1.6M | 0.91% | 3.91% | 0.94% | 15,693 |
| Q3 2025 | $167.1M | $146.5M | $132.7M | $19.9M | $1.5M | 1.23% | 3.95% | 0.85% | 15,654 |
| Q2 2025 | $169.3M | $147.1M | $131.6M | $19.8M | $1.3M | 1.57% | 3.82% | 0.97% | 15,584 |
| Q1 2025 | $166.5M | $145.2M | $129.6M | $19.0M | $581K | 1.40% | 3.78% | 0.70% | 15,534 |
| Q4 2024 | $162.2M | $139.4M | $130.3M | $18.5M | $550K | 0.34% | 3.49% | 0.68% | 15,519 |
| Q3 2024 | $160.1M | $136.3M | $129.5M | $18.4M | $491K | 0.41% | 3.48% | 0.77% | 15,599 |
| Q2 2024 | $158.3M | $137.0M | $126.9M | $18.2M | $307K | 0.39% | 3.47% |
| Ratio | Rock Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 15,596 |
Loan mix (Q1 2026): real estate $60.0M · commercial $209K · consumer $68.0M · securities $19.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 78.7% | 87th |
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 | Rock Valley 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 | Rock Valley 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 | Rock Valley 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 | Rock Valley 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.