| Metric | Alden Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +3.9% | -6.4 pts |
| Share growth (YoY) | -3.8% | +3.3% | -7.1 pts |
| Loan growth (YoY) | +2.0% | +2.9% | -1.0 pts |
| ROA | 0.25% | 0.69% | -0.4 pts |
| ROE | 2.8% | 5.9% | -3.1 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $187.9M | $150.2M | $144.9M | $16.9M | $119K | 0.25% | 2.29% | 0.81% | 12,757 |
| Q4 2025 | $190.4M | $148.3M | $145.1M | $16.9M | $339K | 0.18% | 1.99% | 1.49% | 12,872 |
| Q3 2025 | $192.1M | $148.9M | $146.3M | $16.8M | $221K | 0.15% | 1.91% | 1.07% | 13,085 |
| Q2 2025 | $188.6M | $151.4M | $143.8M | $16.7M | $124K | 0.13% | 1.94% | 0.80% | 13,207 |
| Q1 2025 | $192.6M | $156.2M | $142.1M | $16.6M | $46K | 0.10% | 1.84% | 0.34% | 13,414 |
| Q4 2024 | $194.1M | $151.6M | $143.6M | $16.5M | $236K | 0.12% | 1.61% | 0.58% | 13,505 |
| Q3 2024 | $197.4M | $163.0M | $143.5M | $16.5M | $172K | 0.12% | 1.57% | 0.33% | 13,603 |
| Q2 2024 | $197.3M | $162.2M | $143.3M | $16.5M | $117K | 0.12% | 1.56% |
| Ratio | Alden Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.69% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.29% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 13,658 |
Loan mix (Q1 2026): real estate $117.1M · commercial $11.7M · consumer $15.5M · securities $22.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 78.7% | 85th |
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 | Alden 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 | Alden 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 | Alden 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 | Alden 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.