| Metric | Aac Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | -2.3% | +2.9% | -5.2 pts |
| ROA | 1.45% | 0.69% | +0.8 pts |
| ROE | 6.1% | 5.9% | +0.1 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $211.2M | $158.5M | $119.5M | $50.5M | $765K | 1.45% | 3.54% | 0.09% | 14,809 |
| Q4 2025 | $205.5M | $154.4M | $121.0M | $49.8M | $3.1M | 1.51% | 3.57% | 0.56% | 14,960 |
| Q3 2025 | $204.6M | $153.6M | $122.3M | $48.0M | $2.4M | 1.59% | 3.55% | 0.51% | 15,002 |
| Q2 2025 | $206.2M | $156.1M | $123.0M | $48.4M | $1.6M | 1.53% | 3.46% | 0.47% | 15,096 |
| Q1 2025 | $204.5M | $155.2M | $122.3M | $47.6M | $767K | 1.50% | 3.38% | 0.42% | 15,199 |
| Q4 2024 | $194.9M | $147.7M | $122.9M | $45.6M | $2.3M | 1.16% | 3.08% | 0.73% | 14,721 |
| Q3 2024 | $191.1M | $144.6M | $125.8M | $45.2M | $1.6M | 1.14% | 3.06% | 0.39% | 14,837 |
| Q2 2024 | $191.9M | $145.8M | $125.6M | $44.5M | $1.0M | 1.05% | 2.98% |
| Ratio | Aac Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 14,891 |
Loan mix (Q1 2026): real estate $76.5M · commercial $0 · consumer $37.1M · securities $66.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 78.7% | 21th |
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 | Aac 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 | Aac 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 | Aac 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 | Aac 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.