| Metric | Alatrust Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.9% | +2.5 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | +11.1% | +2.9% | +8.1 pts |
| ROA | 1.18% | 0.69% | +0.5 pts |
| ROE | 8.5% | 5.9% | +2.5 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $219.5M | $194.1M | $121.8M | $30.5M | $646K | 1.18% | 3.54% | 1.93% | 13,358 |
| Q4 2025 | $213.2M | $188.4M | $119.3M | $29.9M | $1.8M | 0.86% | 3.22% | 1.65% | 13,303 |
| Q3 2025 | $210.7M | $186.2M | $119.5M | $29.7M | $1.5M | 0.95% | 3.43% | 1.82% | 13,306 |
| Q2 2025 | $209.5M | $186.6M | $115.7M | $29.2M | $935K | 0.89% | 3.42% | 0.59% | 13,259 |
| Q1 2025 | $206.3M | $184.2M | $109.7M | $28.6M | $356K | 0.69% | 3.44% | 0.59% | 13,128 |
| Q4 2024 | $202.1M | $181.9M | $111.4M | $28.2M | $1.8M | 0.88% | 3.06% | 0.59% | 13,020 |
| Q3 2024 | $206.1M | $174.0M | $108.5M | $27.5M | $1.6M | 1.01% | 3.23% | 0.65% | 13,039 |
| Q2 2024 | $202.4M | $173.0M | $108.2M | $27.7M | $1.1M | 1.05% | 3.28% |
| Ratio | Alatrust Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 12,997 |
Loan mix (Q1 2026): real estate $48.3M · commercial $5.9M · consumer $42.1M · securities $64.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 78.7% | 22th |
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 | Alatrust 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 | Alatrust 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 | Alatrust 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 | Alatrust 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.