| Metric | Affinity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.9% | -5.0 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.0 pts |
| ROA | 1.09% | 0.69% | +0.4 pts |
| ROE | 8.8% | 5.9% | +2.9 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $150.9M | $130.6M | $106.2M | $18.6M | $410K | 1.09% | 4.59% | 0.57% | 12,302 |
| Q4 2025 | $149.1M | $129.1M | $105.8M | $18.3M | $713K | 0.48% | 4.40% | 0.71% | 12,674 |
| Q3 2025 | $148.8M | $128.3M | $103.9M | $18.1M | $423K | 0.38% | 4.36% | 0.73% | 12,629 |
| Q2 2025 | $149.8M | $130.3M | $102.6M | $18.0M | $300K | 0.40% | 4.23% | 0.83% | 12,563 |
| Q1 2025 | $152.6M | $133.3M | $103.2M | $17.7M | $37K | 0.10% | 4.17% | 0.82% | 12,393 |
| Q4 2024 | $148.6M | $129.9M | $103.4M | $17.7M | $1.3M | 0.85% | 4.11% | 0.94% | 13,651 |
| Q3 2024 | $145.6M | $126.4M | $103.0M | $17.8M | $1.2M | 1.07% | 4.16% | 0.96% | 13,662 |
| Q2 2024 | $149.2M | $130.1M | $102.9M | $17.5M | $895K | 1.20% | 4.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Affinity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 13,664 |
Loan mix (Q1 2026): real estate $48.0M · commercial $11.5M · consumer $42.0M · securities $23.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 78.7% | 41th |
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 | Affinity 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 | Affinity 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 | Affinity 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 | Affinity 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.