| Metric | Advantage Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | -16.3% | +2.9% | -19.2 pts |
| ROA | 1.10% | 0.69% | +0.4 pts |
| ROE | 7.3% | 5.9% | +1.3 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $106.5M | $90.1M | $60.7M | $16.0M | $292K | 1.10% | 4.89% | 3.15% | 7,154 |
| Q4 2025 | $103.7M | $87.7M | $63.1M | $15.7M | $2.0M | 1.93% | 5.32% | 3.63% | 7,165 |
| Q3 2025 | $103.2M | $87.7M | $66.3M | $15.1M | $1.4M | 1.80% | 5.39% | 2.69% | 7,198 |
| Q2 2025 | $104.4M | $89.6M | $69.7M | $14.6M | $884K | 1.69% | 5.35% | 3.62% | 7,247 |
| Q1 2025 | $105.3M | $90.4M | $72.5M | $14.1M | $429K | 1.63% | 5.30% | 3.17% | 7,206 |
| Q4 2024 | $102.8M | $88.7M | $75.3M | $13.7M | $-1.9M | -1.88% | 5.66% | 2.65% | 7,203 |
| Q3 2024 | $113.8M | $98.6M | $80.1M | $14.9M | $-648K | -0.76% | 5.11% | 5.06% | 7,229 |
| Q2 2024 | $113.8M | $97.5M | $82.2M | $15.2M | $-354K | -0.62% | 5.14% |
| Ratio | Advantage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.69% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5.02% |
| 7,193 |
Loan mix (Q1 2026): real estate $22.9M · commercial $2.4M · consumer $31.5M · securities $29.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 78.7% | 20th |
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.