| Metric | Vatat Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | -17.5% | -2.4% | -15.2 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.3% | 4.1% | -3.8 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 | $10.6M | $8.4M | $7.1M | $1.9M | $2K | 0.06% | 4.78% | 1.46% | 1,113 |
| Q4 2025 | $10.4M | $8.1M | $7.7M | $1.9M | $60K | 0.58% | 4.96% | 2.15% | 1,113 |
| Q3 2025 | $10.5M | $8.3M | $7.9M | $1.8M | $18K | 0.22% | 4.86% | 1.78% | 1,091 |
| Q2 2025 | $10.9M | $8.5M | $8.4M | $1.9M | $48K | 0.89% | 4.64% | 0.97% | 1,079 |
| Q1 2025 | $10.6M | $8.4M | $8.6M | $1.8M | $17K | 0.64% | 4.72% | 0.40% | 1,074 |
| Q4 2024 | $10.6M | $8.6M | $8.9M | $1.8M | $78K | 0.74% | 4.54% | 1.03% | 1,072 |
| Q3 2024 | $10.7M | $8.4M | $8.9M | $1.8M | $60K | 0.74% | 4.39% | 0.33% | 1,064 |
| Q2 2024 | $11.1M | $9.0M | $9.1M | $1.8M | $85K | 1.52% | 4.25% | 0.40% | 1,061 |
| Ratio | Vatat Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.6M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 81.5% | 35th |
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 | Vatat 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 | Vatat 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 | Vatat 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 | Vatat 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% |
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