| Metric | Advantage Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | -8.3% | -2.4% | -5.9 pts |
| ROA | 0.05% | 0.60% | -0.6 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.5M | $39.4M | $20.8M | $4.1M | $5K | 0.05% | 3.75% | 0.08% | 3,503 |
| Q4 2025 | $43.1M | $40.0M | $22.1M | $4.1M | $62K | 0.14% | 3.59% | 0.17% | 3,559 |
| Q3 2025 | $41.9M | $38.9M | $22.5M | $4.0M | $19K | 0.06% | 3.63% | 0.07% | 3,687 |
| Q2 2025 | $41.5M | $38.8M | $22.7M | $4.0M | $4K | 0.02% | 3.62% | 0.00% | 3,751 |
| Q1 2025 | $41.8M | $39.1M | $22.7M | $4.0M | $-16K | -0.16% | 3.50% | 0.05% | 3,750 |
| Q4 2024 | $41.3M | $38.8M | $23.5M | $4.0M | $48K | 0.12% | 3.56% | 0.28% | 3,767 |
| Q3 2024 | $40.8M | $38.0M | $24.1M | $4.0M | $72K | 0.24% | 3.62% | 0.15% | 3,845 |
| Q2 2024 | $41.3M | $38.7M | $24.4M | $4.0M | $75K | 0.36% | 3.58% | 0.00% |
| Ratio | Advantage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,913 |
Loan mix (Q1 2026): real estate $8.8M · commercial $0 · consumer $11.7M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 81.5% | 74th |
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 | Advantage 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 | Advantage 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 | Advantage 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 | Advantage 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.