| Metric | Aim Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +2.6% | +3.3% | -0.7 pts |
| Loan growth (YoY) | +4.7% | +2.9% | +1.7 pts |
| ROA | 0.98% | 0.69% | +0.3 pts |
| ROE | 7.6% | 5.9% | +1.6 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $199.1M | $172.1M | $128.6M | $25.8M | $488K | 0.98% | 3.37% | 0.68% | 14,204 |
| Q4 2025 | $188.0M | $161.4M | $128.3M | $25.4M | $1.5M | 0.82% | 3.50% | 0.99% | 14,208 |
| Q3 2025 | $186.3M | $160.2M | $128.3M | $25.0M | $1.1M | 0.78% | 3.51% | 1.06% | 14,296 |
| Q2 2025 | $189.6M | $164.2M | $125.4M | $24.4M | $504K | 0.53% | 3.40% | 0.55% | 14,290 |
| Q1 2025 | $192.8M | $167.7M | $122.9M | $24.2M | $241K | 0.50% | 3.26% | 0.76% | 14,239 |
| Q4 2024 | $188.3M | $163.5M | $122.5M | $23.9M | $1.3M | 0.69% | 3.18% | 1.06% | 14,226 |
| Q3 2024 | $186.0M | $161.5M | $122.4M | $23.8M | $1.0M | 0.75% | 3.21% | 0.73% | 14,225 |
| Q2 2024 | $188.8M | $164.1M | $125.1M | $23.5M | $735K | 0.78% | 3.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Aim Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.12% |
| 13,425 |
Loan mix (Q1 2026): real estate $76.7M · commercial $5.7M · consumer $37.9M · securities $35.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 78.7% | 40th |
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 | Aim 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 | Aim 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 | Aim 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 | Aim 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.