| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +8.5% | +0.7% | +7.8 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.9 pts |
| ROA | 0.04% | 0.60% | -0.6 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $53.3M | $48.0M | $31.7M | $5.2M | $5K | 0.04% | 3.41% | 1.66% | 6,886 |
| Q4 2025 | $52.4M | $47.1M | $32.4M | $5.2M | $257K | 0.49% | 3.95% | 2.75% | 6,859 |
| Q3 2025 | $52.9M | $47.3M | $32.7M | $5.1M | $30K | 0.08% | 3.44% | 1.18% | 6,912 |
| Q2 2025 | $50.3M | $45.1M | $33.8M | $5.0M | $97K | 0.38% | 3.56% | 0.59% | 6,857 |
| Q1 2025 | $49.5M | $44.2M | $33.1M | $4.9M | $32K | 0.26% | 3.54% | 0.90% | 6,766 |
| Q4 2024 | $47.1M | $43.7M | $33.8M | $4.9M | $186K | 0.40% | 3.89% | 1.47% | 5,620 |
| Q3 2024 | $48.5M | $44.8M | $34.7M | $4.9M | $151K | 0.41% | 3.88% | 0.30% | 5,629 |
| Q2 2024 | $48.1M | $44.2M | $34.8M | $4.8M | $104K | 0.43% | 3.93% | 0.23% |
| Ratio | Vanderbilt Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,691 |
Loan mix (Q1 2026): real estate $20.5M · commercial $0 · consumer $11.2M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.6% | 81.5% | 82th |
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 | Vanderbilt 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 | Vanderbilt 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 | Vanderbilt 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 | Vanderbilt 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.