| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -0.6% | +0.7% | -1.3 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +4.9 pts |
| ROA | -0.32% | 0.60% | -0.9 pts |
| ROE | -4.7% | 4.1% | -8.8 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $82.3M | $76.3M | $54.4M | $5.6M | $-66K | -0.32% | 3.69% | 0.51% | 5,977 |
| Q4 2025 | $82.7M | $76.9M | $51.9M | $5.7M | $173K | 0.21% | 3.47% | 0.63% | 5,932 |
| Q3 2025 | $81.8M | $75.8M | $51.2M | $5.7M | $132K | 0.22% | 3.43% | 0.64% | 5,930 |
| Q2 2025 | $81.9M | $76.0M | $52.0M | $5.6M | $46K | 0.11% | 3.35% | 0.36% | 5,928 |
| Q1 2025 | $82.5M | $76.8M | $53.0M | $5.5M | $-21K | -0.10% | 3.20% | 0.53% | 5,946 |
| Q4 2024 | $78.2M | $72.5M | $53.2M | $5.6M | $-182K | -0.23% | 3.09% | 0.70% | 5,976 |
| Q3 2024 | $78.4M | $72.6M | $54.4M | $5.7M | $-116K | -0.20% | 3.02% | 0.48% | 5,932 |
| Q2 2024 | $77.9M | $71.8M | $55.4M | $5.7M | $-89K | -0.23% | 3.00% | 0.23% |
| Ratio | Valley Oak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.32% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -4.7% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,034 |
Loan mix (Q1 2026): real estate $18.3M · commercial $0 · consumer $34.3M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.0% | 81.5% | 85th |
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 | Valley Oak 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 | Valley Oak 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 | Valley Oak 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 | Valley Oak 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.