| Metric | Vibe Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.1% | -2.4 pts |
| Share growth (YoY) | +2.4% | +4.9% | -2.5 pts |
| Loan growth (YoY) | +3.7% | +5.4% | -1.7 pts |
| ROA | 0.58% | 0.71% | -0.1 pts |
| ROE | 5.6% | 6.3% | -0.6 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.57B | $1.24B | $924.3M | $162.9M | $2.3M | 0.58% | 3.24% | 0.90% | 74,399 |
| Q4 2025 | $1.36B | $1.20B | $928.6M | $160.6M | $5.5M | 0.40% | 3.51% | 0.98% | 74,515 |
| Q3 2025 | $1.52B | $1.19B | $920.8M | $159.9M | $4.2M | 0.37% | 3.09% | 0.99% | 74,791 |
| Q2 2025 | $1.53B | $1.21B | $910.5M | $157.8M | $2.1M | 0.27% | 2.99% | 1.03% | 74,801 |
| Q1 2025 | $1.53B | $1.21B | $891.3M | $156.7M | $1.1M | 0.28% | 2.85% | 0.81% | 75,380 |
| Q4 2024 | $1.32B | $1.18B | $884.5M | $155.7M | $5.1M | 0.39% | 3.10% | 1.18% | 75,484 |
| Q3 2024 | $1.43B | $1.14B | $876.6M | $156.9M | $5.8M | 0.54% | 2.83% | 1.18% | 76,966 |
| Q2 2024 | $1.43B | $1.15B | $870.5M | $156.3M | $5.2M | 0.72% | 2.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Vibe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.71% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 6.3% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.12% |
| 80,129 |
Loan mix (Q1 2026): real estate $462.4M · commercial $127.2M · consumer $300.1M · securities $281.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 73.0% | 67th |
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 | Vibe 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 | Vibe 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 | Vibe 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 | Vibe 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.