| Metric | Solarity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.8% | -1.1 pts |
| Share growth (YoY) | +3.1% | +4.3% | -1.2 pts |
| Loan growth (YoY) | -1.3% | +4.3% | -5.6 pts |
| ROA | 0.18% | 0.62% | -0.4 pts |
| ROE | 1.1% | 5.9% | -4.8 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $846.1M | $650.0M | $665.7M | $141.8M | $382K | 0.18% | 3.13% | 0.17% | 45,958 |
| Q4 2025 | $834.1M | $641.4M | $662.1M | $141.7M | $4.7M | 0.56% | 3.15% | 0.21% | 46,252 |
| Q3 2025 | $824.6M | $628.7M | $665.3M | $140.9M | $3.9M | 0.63% | 3.21% | 0.10% | 46,866 |
| Q2 2025 | $814.0M | $623.6M | $668.2M | $139.2M | $2.1M | 0.51% | 3.21% | 0.35% | 47,445 |
| Q1 2025 | $816.5M | $630.5M | $674.1M | $137.7M | $649K | 0.32% | 3.21% | 0.29% | 47,980 |
| Q4 2024 | $813.8M | $626.1M | $680.3M | $137.4M | $3.8M | 0.46% | 3.09% | 0.55% | 48,557 |
| Q3 2024 | $827.1M | $645.9M | $674.7M | $136.6M | $3.0M | 0.48% | 2.99% | 0.42% | 49,537 |
| Q2 2024 | $823.1M | $644.2M | $667.8M | $135.2M | $1.6M | 0.38% | 2.99% |
| Ratio | Solarity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.62% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 50,015 |
Loan mix (Q1 2026): real estate $228.5M · commercial $321.7M · consumer $50.8M · securities $50.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 78.3% | 86th |
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 | Solarity 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 | Solarity 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 | Solarity 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 | Solarity 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.