| Metric | Albright Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.0 pts |
| Loan growth (YoY) | -0.2% | -2.4% | +2.1 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.2M | $66.2M | $40.3M | $8.6M | $201K | 1.07% | 3.86% | 1.94% | 5,590 |
| Q4 2025 | $72.7M | $64.0M | $40.9M | $8.4M | $690K | 0.95% | 4.06% | 2.31% | 5,632 |
| Q3 2025 | $72.5M | $64.0M | $40.3M | $8.2M | $510K | 0.94% | 4.08% | 2.21% | 5,728 |
| Q2 2025 | $73.3M | $65.0M | $39.7M | $8.0M | $310K | 0.85% | 4.02% | 2.51% | 5,778 |
| Q1 2025 | $73.2M | $65.1M | $40.4M | $7.9M | $155K | 0.85% | 3.97% | 2.11% | 5,826 |
| Q4 2024 | $70.3M | $62.3M | $41.7M | $7.7M | $756K | 1.07% | 4.29% | 2.49% | 5,899 |
| Q3 2024 | $70.8M | $63.0M | $43.0M | $7.6M | $632K | 1.19% | 4.27% | 2.41% | 5,928 |
| Q2 2024 | $75.5M | $67.7M | $43.9M | $7.5M | $467K | 1.24% | 3.94% | 1.69% |
| Ratio | Albright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,167 |
Loan mix (Q1 2026): real estate $28.7M · commercial $0 · consumer $11.3M · securities $28.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 81.5% | 39th |
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 | Albright 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 | Albright 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 | Albright 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 | Albright 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.