| Metric | Sovita Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.8% | +1.6 pts |
| Share growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +0.2% | +4.3% | -4.1 pts |
| ROA | 1.11% | 0.62% | +0.5 pts |
| ROE | 6.9% | 5.9% | +1.0 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $587.2M | $496.9M | $137.7M | $93.6M | $1.6M | 1.11% | 2.50% | 0.30% | 17,763 |
| Q4 2025 | $576.1M | $485.9M | $137.4M | $92.0M | $5.6M | 0.97% | 2.39% | 0.14% | 17,847 |
| Q3 2025 | $563.3M | $476.1M | $137.8M | $90.5M | $4.0M | 0.94% | 2.42% | 0.24% | 17,882 |
| Q2 2025 | $556.8M | $474.4M | $138.1M | $88.8M | $2.3M | 0.83% | 2.40% | 0.32% | 17,888 |
| Q1 2025 | $551.9M | $471.1M | $137.4M | $87.4M | $916K | 0.66% | 2.31% | 0.32% | 17,950 |
| Q4 2024 | $529.7M | $453.6M | $138.0M | $86.5M | $4.6M | 0.87% | 2.25% | 0.22% | 18,072 |
| Q3 2024 | $525.8M | $448.3M | $135.0M | $85.6M | $3.7M | 0.93% | 2.24% | 0.22% | 18,139 |
| Q2 2024 | $520.1M | $450.9M | $133.9M | $84.4M | $2.4M | 0.92% | 2.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Sovita Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.62% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.50% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 18,201 |
Loan mix (Q1 2026): real estate $36.7M · commercial $52.5M · consumer $46.5M · securities $360.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 78.3% | 12th |
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 | Sovita 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 | Sovita 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 | Sovita 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 | Sovita 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.