| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.0 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.4 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $91.6M | $76.4M | $79.6M | $14.6M | $114K | 0.50% | 3.02% | 0.18% | 1,494 |
| Q4 2025 | $87.4M | $72.2M | $76.2M | $14.5M | $152K | 0.17% | 3.01% | 0.76% | 1,518 |
| Q3 2025 | $89.9M | $74.6M | $74.9M | $14.5M | $153K | 0.23% | 2.91% | 0.14% | 1,532 |
| Q2 2025 | $90.0M | $75.0M | $77.4M | $14.5M | $94K | 0.21% | 2.88% | 0.00% | 1,549 |
| Q1 2025 | $92.3M | $77.3M | $78.8M | $14.4M | $35K | 0.15% | 2.83% | 0.00% | 1,593 |
| Q4 2024 | $92.9M | $77.7M | $78.4M | $14.4M | $239K | 0.26% | 2.85% | 0.04% | 1,622 |
| Q3 2024 | $89.2M | $74.0M | $78.3M | $14.3M | $217K | 0.32% | 2.99% | 0.00% | 1,642 |
| Q2 2024 | $94.0M | $78.9M | $78.4M | $14.3M | $169K | 0.36% | 2.88% | 0.00% |
| Ratio | Vision One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,672 |
Loan mix (Q1 2026): real estate $42K · commercial $72.6M · consumer $0 · securities $95K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 81.5% | 51th |
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 | Vision One 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 | Vision One 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 | Vision One 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 | Vision One 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.