| Metric | Vantage Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Share growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Loan growth (YoY) | +6.0% | +5.4% | +0.6 pts |
| ROA | -0.00% | 0.71% | -0.7 pts |
| ROE | -0.1% | 6.3% | -6.3 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.15B | $1.04B | $842.0M | $89.1M | $-14K | -0.00% | 4.06% | 0.66% | 68,069 |
| Q4 2025 | $1.12B | $1.01B | $842.2M | $89.1M | $6.3M | 0.56% | 4.12% | 0.80% | 68,077 |
| Q3 2025 | $1.11B | $1.01B | $827.1M | $88.1M | $4.9M | 0.58% | 4.00% | 0.67% | 68,312 |
| Q2 2025 | $1.12B | $1.01B | $801.8M | $85.2M | $1.9M | 0.35% | 3.87% | 0.74% | 68,172 |
| Q1 2025 | $1.11B | $996.6M | $794.2M | $82.9M | $-313K | -0.11% | 3.80% | 0.52% | 68,425 |
| Q4 2024 | $1.08B | $949.8M | $807.0M | $83.2M | $5.9M | 0.55% | 3.73% | 0.61% | 68,963 |
| Q3 2024 | $1.11B | $953.9M | $812.4M | $83.1M | $5.4M | 0.65% | 3.52% | 0.60% | 69,593 |
| Q2 2024 | $1.14B | $980.3M | $814.1M | $80.2M | $2.5M | 0.44% | 3.34% |
| Ratio | Vantage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.00% | 0.71% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 6.3% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 70,035 |
Loan mix (Q1 2026): real estate $424.1M · commercial $832K · consumer $279.7M · securities $86.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.6% | 73.0% | 97th |
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 | Vantage 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 | Vantage 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 | Vantage 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 | Vantage 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.