| Metric | Vibrant Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.1% | -1.0 pts |
| Share growth (YoY) | +9.0% | +4.9% | +4.1 pts |
| Loan growth (YoY) | +6.2% | +5.4% | +0.7 pts |
| ROA | 0.02% | 0.71% | -0.7 pts |
| ROE | 0.3% | 6.3% | -6.0 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.17B | $960.2M | $917.6M | $94.6M | $70K | 0.02% | 2.57% | 1.53% | 66,307 |
| Q4 2025 | $1.17B | $948.5M | $905.4M | $94.5M | $7.4M | 0.63% | 2.84% | 1.70% | 52,065 |
| Q3 2025 | $1.15B | $907.0M | $892.8M | $92.7M | $5.6M | 0.65% | 2.91% | 1.62% | 49,815 |
| Q2 2025 | $1.15B | $905.3M | $875.1M | $91.7M | $4.5M | 0.79% | 2.69% | 2.18% | 47,044 |
| Q1 2025 | $1.12B | $881.2M | $864.3M | $91.9M | $4.8M | 1.69% | 3.06% | 2.04% | 55,886 |
| Q4 2024 | $1.10B | $883.0M | $836.7M | $88.1M | $-5.6M | -0.51% | 2.46% | 3.08% | 60,725 |
| Q3 2024 | $1.07B | $845.2M | $802.0M | $93.7M | $-86K | -0.01% | 2.12% | 2.93% | 45,710 |
| Q2 2024 | $1.02B | $792.1M | $771.4M | $94.0M | $710K | 0.14% | 2.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Vibrant Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.71% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 6.3% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.79% |
| 45,136 |
Loan mix (Q1 2026): real estate $460.0M · commercial $123.3M · consumer $205.6M · securities $135.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.4% | 73.0% | 87th |
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 | Vibrant 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 | Vibrant 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 | Vibrant 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 | Vibrant 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.