Volt Credit Union
Total assets
$84.2M
▼ -0.6% YoY
Shares & deposits
$74.3M
▼ -0.2% YoY
Loans
$58.6M
▲ +1.7% YoY
Members
7,042
▲ +3.0% YoY
ROA (annualized)
-1.50%
peers 0.60%
ROE (annualized)
-17.37%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Volt Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | +1.7% | -2.4% | +4.1 pts |
| ROA | -1.50% | 0.60% | -2.1 pts |
| ROE | -17.4% | 4.1% | -21.5 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- P O Box 1217, Springfield, MO, 65801
- NCUA charter #
- 63389
- RSSD ID
- 213293
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $84.2M | $74.3M | $58.6M | $7.3M | $-316K | -1.50% | 4.03% | 0.12% | 7,042 |
| Q4 2025 | $83.4M | $71.3M | $56.6M | $7.6M | $-242K | -0.29% | 4.08% | 0.30% | 6,969 |
| Q3 2025 | $85.2M | $73.0M | $57.4M | $7.6M | $-186K | -0.29% | 3.97% | 0.09% | 6,934 |
| Q2 2025 | $84.2M | $73.8M | $59.0M | $7.6M | $-186K | -0.44% | 3.95% | 0.21% | 6,896 |
| Q1 2025 | $84.7M | $74.5M | $57.6M | $7.6M | $-191K | -0.90% | 3.79% | 0.36% | 6,834 |
| Q4 2024 | $86.2M | $72.9M | $56.8M | $7.8M | $230K | 0.27% | 3.72% | 0.46% | 6,850 |
| Q3 2024 | $86.7M | $73.4M | $56.1M | $7.8M | $196K | 0.30% | 3.64% | 0.09% | 6,884 |
| Q2 2024 | $88.2M | $74.8M | $56.0M | $7.6M | $27K | 0.06% | 3.46% | 0.27% | 6,900 |
Loan mix (Q1 2026): real estate $24.2M · commercial $1.7M · consumer $28.9M · securities $9.7M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Volt Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.50% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -17.4% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.2% | 81.5% | 91th | |
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% |
Balance sheet
| Ratio | Volt 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% |
Capital
| Ratio | Volt 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% |
Credit quality
| Ratio | Volt 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% |
Franchise
| Ratio | Volt 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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