| Metric | Verity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.8% | -6.1 pts |
| Share growth (YoY) | -0.8% | +4.3% | -5.1 pts |
| Loan growth (YoY) | -1.3% | +4.3% | -5.7 pts |
| ROA | 0.13% | 0.62% | -0.5 pts |
| ROE | 1.4% | 5.9% | -4.5 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $762.9M | $668.4M | $593.9M | $71.0M | $247K | 0.13% | 3.85% | 1.10% | 34,442 |
| Q4 2025 | $791.2M | $695.3M | $590.0M | $70.5M | $-1.5M | -0.19% | 3.66% | 1.15% | 34,720 |
| Q3 2025 | $774.7M | $677.7M | $585.5M | $70.6M | $-1.4M | -0.24% | 3.69% | 0.97% | 35,326 |
| Q2 2025 | $769.3M | $671.2M | $588.1M | $70.4M | $-1.5M | -0.40% | 3.64% | 1.14% | 35,717 |
| Q1 2025 | $773.5M | $674.2M | $601.9M | $69.8M | $-2.2M | -1.12% | 3.47% | 1.14% | 36,005 |
| Q4 2024 | $776.3M | $677.8M | $617.5M | $71.7M | $659K | 0.08% | 3.74% | 1.03% | 36,530 |
| Q3 2024 | $750.3M | $648.5M | $636.6M | $77.4M | $2.4M | 0.42% | 3.89% | 1.76% | 37,075 |
| Q2 2024 | $761.0M | $644.5M | $650.7M | $76.5M | $1.5M | 0.40% | 3.86% |
| Ratio | Verity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.62% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.83% |
| 37,587 |
Loan mix (Q1 2026): real estate $247.6M · commercial $98.0M · consumer $80.7M · securities $88.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 78.3% | 52th |
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 | Verity 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 | Verity 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 | Verity 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 | Verity 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.