| Metric | Alcose Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.4% | +0.9% | -1.3 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.4 pts |
| ROA | 0.66% | 0.65% | +0.0 pts |
| ROE | 4.0% | 4.4% | -0.3 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.1M | $13.7M | $4.5M | $2.6M | $53K | 0.66% | 3.52% | 0.03% | 2,018 |
| 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% |
| Ratio | Alcose Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,176 |
| Q2 2024 | $17.1M | $14.8M | $5.0M | $2.5M | $83K | 0.97% | 3.21% | 0.01% | 2,196 |
Loan mix (Q2 2026): real estate $449K · commercial $0 · consumer $3.6M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 80.6% | 65th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Allegheny, PA, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 2 | $13.7M* | 0.01% | 56th |
Pennsylvania: 351st with 0.00% · Pittsburgh metro: 107th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2