| Metric | Adelfi Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +64.1% | +5.1% | +59.0 pts |
| Share growth (YoY) | +62.0% | +4.8% | +57.2 pts |
| Loan growth (YoY) | +42.0% | +5.4% | +36.6 pts |
| ROA | 1.03% | 0.80% | +0.2 pts |
| ROE | 8.0% | 7.4% | +0.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.42B | $1.21B | $1.03B | $182.7M | $7.3M | 1.03% | 3.64% | 0.87% | 53,733 |
| Q1 2026 | $1.44B | $1.24B | $1.02B | $180.6M | $5.3M | 1.46% | 3.65% | 0.62% | 52,858 |
| Q4 2025 | $1.44B | $1.23B | $1.04B | $175.5M | $-5.7M | -0.39% | 2.05% | 0.74% | 51,379 |
| Q3 2025 | $875.9M | $758.2M | $714.4M | $111.2M | $819K | 0.12% | 3.16% | 0.58% | 34,847 |
| Q2 2025 | $884.9M | $767.9M | $716.6M | $111.0M | $573K | 0.13% | 3.12% | 0.51% | 33,933 |
| Q1 2025 | $879.8M | $763.5M | $719.3M | $110.7M | $268K | 0.12% | 3.14% | 0.37% | 33,226 |
| Q4 2024 | $839.5M | $723.5M | $723.5M | $110.6M | $2.6M | 0.31% | 3.20% | 0.69% | 31,737 |
| Q3 2024 | $824.0M | $707.5M | $714.8M | $110.8M | $2.8M | 0.45% | 3.29% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Adelfi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.71% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 6.3% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 31,332 |
| Q2 2024 | $850.5M | $735.8M | $711.2M | $109.7M | $1.7M | 0.40% | 3.18% | 0.47% | 30,923 |
Loan mix (Q2 2026): real estate $296.2M · commercial $561.9M · consumer $136.0M · securities $164.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 73.0% | 52nd |
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 | Adelfi 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 | Adelfi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Adelfi 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 | Adelfi 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 | Adelfi 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Los Angeles, CA, ranked 52nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $767.9M* | 0.14% | 52nd |
California: 155th with 0.04% · Los Angeles-Long Beach-Anaheim metro: 69th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1