| Metric | Advia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +5.1% | +8.0 pts |
| Share growth (YoY) | +11.4% | +4.9% | +6.5 pts |
| Loan growth (YoY) | +13.2% | +5.4% | +7.8 pts |
| ROA | 1.05% | 0.71% | +0.3 pts |
| ROE | 10.7% | 6.3% | +4.4 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.97B | $3.28B | $3.12B | $388.8M | $10.4M | 1.05% | 3.23% | 0.66% | 186,725 |
| Q4 2025 | $3.87B | $3.19B | $3.05B | $378.4M | $41.7M | 1.08% | 3.09% | 0.77% | 196,984 |
| Q3 2025 | $3.73B | $3.10B | $2.95B | $369.6M | $32.9M | 1.18% | 3.15% | 0.60% | 194,140 |
| Q2 2025 | $3.69B | $3.08B | $2.88B | $356.7M | $20.0M | 1.09% | 3.07% | 0.55% | 190,879 |
| Q1 2025 | $3.51B | $2.95B | $2.75B | $339.5M | $7.0M | 0.80% | 3.11% | 0.53% | 196,710 |
| Q4 2024 | $3.44B | $2.83B | $2.71B | $332.8M | $21.5M | 0.62% | 2.51% | 0.61% | 193,197 |
| Q3 2024 | $3.19B | $2.63B | $2.34B | $323.6M | $12.3M | 0.51% | 2.52% | 0.73% | 186,191 |
| Q2 2024 | $2.98B | $2.65B | $2.31B | $319.2M | $8.0M | 0.53% | 2.64% |
| Ratio | Advia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.71% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 6.3% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 183,163 |
Loan mix (Q1 2026): real estate $1.41B · commercial $664.7M · consumer $919.5M · securities $411.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 73.0% | 21th |
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 | Advia 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 | Advia 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 | Advia 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 | Advia 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.