| Metric | Alcose Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.0 pts |
| Loan growth (YoY) | +0.7% | -2.4% | +3.1 pts |
| ROA | -0.33% | 0.60% | -0.9 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.0M | $13.6M | $4.5M | $2.6M | $-13K | -0.33% | 3.47% | 0.60% | 2,043 |
| Q4 2025 | $16.0M | $13.5M | $4.5M | $2.6M | $83K | 0.52% | 3.39% | 0.59% | 2,074 |
| Q3 2025 | $15.9M | $13.5M | $4.5M | $2.6M | $49K | 0.41% | 3.38% | 0.60% | 2,078 |
| Q2 2025 | $16.1M | $13.7M | $4.5M | $2.5M | $19K | 0.23% | 3.30% | 0.65% | 2,098 |
| Q1 2025 | $16.3M | $14.0M | $4.5M | $2.5M | $-17K | -0.41% | 3.26% | 0.75% | 2,143 |
| Q4 2024 | $16.2M | $13.9M | $4.8M | $2.5M | $153K | 0.94% | 3.36% | 0.23% | 2,155 |
| Q3 2024 | $16.6M | $14.3M | $4.8M | $2.5M | $124K | 1.00% | 3.30% | 0.04% | 2,176 |
| Q2 2024 | $17.1M | $14.8M | $5.0M | $2.5M | $83K | 0.97% | 3.21% | 0.01% |
| Ratio | Alcose Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,196 |
Loan mix (Q1 2026): real estate $458K · commercial $0 · consumer $3.7M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.0% | 81.5% | 90th |
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 | Alcose 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 | Alcose 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 | Alcose 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 | Alcose 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.