| Metric | Aegis Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.8 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.6 pts |
| Loan growth (YoY) | +19.5% | -2.6% | +22.2 pts |
| ROA | 1.78% | 0.65% | +1.1 pts |
| ROE | 10.3% | 4.4% | +5.9 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.3M | $22.5M | $20.7M | $4.7M | $243K | 1.78% | 5.57% | 1.83% | 3,760 |
| Q1 2026 | $27.2M | $22.5M | $18.9M | $4.6M | $121K | 1.78% | 5.48% | 2.10% | 3,722 |
| Q4 2025 | $26.2M | $21.6M | $17.5M | $4.5M | $572K | 2.18% | 5.63% | 1.86% | 3,685 |
| Q3 2025 | $26.4M | $21.9M | $17.8M | $4.3M | $429K | 2.17% | 5.60% | 1.13% | 3,686 |
| Q2 2025 | $26.0M | $21.7M | $17.3M | $4.2M | $242K | 1.86% | 5.62% | 1.80% | 3,643 |
| Q1 2025 | $26.5M | $22.4M | $17.2M | $4.0M | $135K | 2.04% | 5.48% | 1.62% | 3,613 |
| Q4 2024 | $26.1M | $21.6M | $16.8M | $3.9M | $506K | 1.94% | 5.16% | 1.57% | 3,601 |
| Q3 2024 | $24.4M | $20.0M | $16.6M | $3.8M | $392K | 2.14% | 5.44% | 1.18% |
| Ratio | Aegis Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,576 |
| Q2 2024 | $24.4M | $20.3M | $17.0M | $3.6M | $238K | 1.95% | 5.30% | 0.60% | 3,553 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $18.1M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 80.6% | 27th |
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 | Aegis 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 | Aegis 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 | Aegis 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 | Aegis 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 | Aegis 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Clinton, IA, ranked 12th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clinton, IA | 2 | $22.5M* | 1.24% | 12th |
Iowa: 313th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2