| Metric | Air Tech Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -32.0% | -2.4% | -29.6 pts |
| ROA | 0.18% | 0.60% | -0.4 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.2M | $1.6M | $932K | $591K | $984 | 0.18% | 4.34% | 1.13% | 655 |
| Q4 2025 | $2.2M | $1.6M | $1.0M | $590K | $5K | 0.23% | 4.40% | 0.48% | 657 |
| Q3 2025 | $2.1M | $1.5M | $1.1M | $586K | $-1K | -0.07% | 4.53% | 0.00% | 662 |
| Q2 2025 | $2.2M | $1.6M | $1.2M | $584K | $-1K | -0.11% | 4.38% | 0.00% | 666 |
| Q1 2025 | $2.2M | $1.6M | $1.4M | $585K | $-223 | -0.04% | 3.90% | 0.00% | 681 |
| Q4 2024 | $2.4M | $1.7M | $1.5M | $585K | $5K | 0.21% | 3.98% | 0.01% | 685 |
| Q3 2024 | $2.4M | $1.8M | $1.5M | $583K | $3K | 0.15% | 3.87% | 0.00% | 685 |
| Q2 2024 | $2.7M | $2.1M | $1.5M | $583K | $3K | 0.22% | 3.46% | 0.00% | 718 |
| Ratio | Air Tech Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.83% |
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Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $909K · securities $705K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 81.5% | 74th |
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 | Air Tech 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 | Air Tech 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 | Air Tech 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 | Air Tech 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% |
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