| Metric | Aeroquip Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -0.7% | -2.4% | +1.7 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $52.3M | $43.7M | $28.4M | $8.2M | $22K | 0.17% | 4.26% | 0.81% | 3,954 |
| Q4 2025 | $51.2M | $42.6M | $29.0M | $8.1M | $322K | 0.63% | 4.31% | 0.93% | 3,943 |
| Q3 2025 | $50.3M | $41.8M | $28.5M | $8.0M | $232K | 0.61% | 4.31% | 0.60% | 3,983 |
| Q2 2025 | $49.4M | $40.9M | $27.9M | $7.9M | $86K | 0.35% | 4.34% | 0.56% | 3,957 |
| Q1 2025 | $50.3M | $42.2M | $28.6M | $7.9M | $45K | 0.35% | 4.17% | 0.36% | 3,952 |
| Q4 2024 | $50.5M | $42.7M | $28.5M | $7.8M | $186K | 0.37% | 3.86% | 0.51% | 3,954 |
| Q3 2024 | $50.7M | $42.9M | $28.6M | $7.7M | $113K | 0.30% | 3.67% | 0.66% | 3,977 |
| Q2 2024 | $52.2M | $44.3M | $27.9M | $7.7M | $106K | 0.41% | 3.44% | 0.57% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Aeroquip Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,953 |
Loan mix (Q1 2026): real estate $14.3M · commercial $0 · consumer $12.8M · securities $17.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 81.5% | 55th |
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 | Aeroquip 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 | Aeroquip 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 | Aeroquip 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 | Aeroquip 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.