| Metric | Access Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.6% | +0.7% | +4.0 pts |
| Loan growth (YoY) | -7.8% | -2.4% | -5.4 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 3.7% | 4.1% | -0.4 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.2M | $61.0M | $31.7M | $8.2M | $77K | 0.44% | 2.91% | 0.63% | 4,099 |
| Q4 2025 | $67.5M | $59.3M | $32.2M | $8.2M | $569K | 0.84% | 2.98% | 0.04% | 4,125 |
| Q3 2025 | $72.0M | $63.9M | $32.7M | $8.1M | $484K | 0.90% | 2.77% | 0.08% | 4,166 |
| Q2 2025 | $65.8M | $57.8M | $33.5M | $7.9M | $340K | 1.03% | 3.04% | 0.09% | 4,219 |
| Q1 2025 | $66.0M | $58.3M | $34.4M | $7.9M | $139K | 0.84% | 2.98% | 0.04% | 4,304 |
| Q4 2024 | $64.5M | $57.0M | $34.9M | $7.7M | $390K | 0.60% | 2.86% | 0.11% | 4,343 |
| Q3 2024 | $66.6M | $59.0M | $34.4M | $7.6M | $319K | 0.64% | 2.77% | 0.24% | 4,373 |
| Q2 2024 | $62.7M | $55.5M | $33.6M | $7.5M | $191K | 0.61% | 2.92% | 0.12% |
| Ratio | Access Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,429 |
Loan mix (Q1 2026): real estate $24.0M · commercial $580K · consumer $6.8M · securities $27.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 81.5% | 32th |
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 | Access 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 | Access 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 | Access 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 | Access 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.