| Metric | Accentra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.9% | +1.0 pts |
| Share growth (YoY) | +4.4% | +3.3% | +1.1 pts |
| Loan growth (YoY) | -3.6% | +2.9% | -6.5 pts |
| ROA | 1.03% | 0.69% | +0.3 pts |
| ROE | 10.2% | 5.9% | +4.3 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $217.1M | $195.2M | $135.7M | $21.9M | $560K | 1.03% | 3.68% | 1.82% | 17,036 |
| Q4 2025 | $209.8M | $188.3M | $136.3M | $21.4M | $888K | 0.42% | 3.69% | 2.27% | 17,039 |
| Q3 2025 | $206.0M | $185.3M | $137.4M | $21.2M | $692K | 0.45% | 3.73% | 2.62% | 17,060 |
| Q2 2025 | $203.7M | $183.5M | $140.1M | $20.8M | $287K | 0.28% | 3.71% | 2.46% | 17,036 |
| Q1 2025 | $206.9M | $187.0M | $140.7M | $20.9M | $390K | 0.75% | 3.51% | 2.15% | 17,053 |
| Q4 2024 | $200.2M | $181.0M | $141.2M | $20.6M | $1.3M | 0.65% | 3.16% | 2.24% | 16,923 |
| Q3 2024 | $196.3M | $177.1M | $141.9M | $20.2M | $941K | 0.64% | 3.13% | 2.18% | 16,762 |
| Q2 2024 | $193.6M | $174.9M | $140.9M | $19.8M | $508K | 0.53% | 3.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Accentra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.70% |
| 16,564 |
Loan mix (Q1 2026): real estate $52.9M · commercial $2.3M · consumer $70.5M · securities $41.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 78.7% | 19th |
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 | Accentra 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 | Accentra 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 | Accentra 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 | Accentra 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.