| Metric | Vocal Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.1 pts |
| ROA | 1.36% | 0.60% | +0.8 pts |
| ROE | 10.4% | 4.1% | +6.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $52.0M | $44.7M | $31.4M | $6.8M | $177K | 1.36% | 4.61% | 1.03% | 4,324 |
| Q4 2025 | $51.5M | $44.5M | $31.0M | $6.6M | $607K | 1.18% | 4.55% | 1.31% | 4,368 |
| Q3 2025 | $51.5M | $44.5M | $31.3M | $6.5M | $465K | 1.20% | 4.46% | 1.11% | 4,390 |
| Q2 2025 | $49.1M | $42.4M | $32.7M | $6.3M | $307K | 1.25% | 4.65% | 1.16% | 4,368 |
| Q1 2025 | $49.9M | $43.4M | $32.1M | $6.2M | $147K | 1.18% | 4.52% | 0.16% | 4,357 |
| Q4 2024 | $49.2M | $42.8M | $32.6M | $6.0M | $571K | 1.16% | 4.50% | 0.34% | 4,345 |
| Q3 2024 | $48.8M | $42.5M | $33.2M | $5.9M | $471K | 1.29% | 4.44% | 0.15% | 4,327 |
| Q2 2024 | $47.0M | $40.7M | $33.9M | $5.8M | $327K | 1.39% | 4.60% | 0.30% |
| Ratio | Vocal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,291 |
Loan mix (Q1 2026): real estate $10.8M · commercial $4.1M · consumer $10.6M · securities $12.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 81.5% | 36th |
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 | Vocal 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 | Vocal 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 | Vocal 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 | Vocal 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.