| Metric | Alhambra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.6 pts |
| Loan growth (YoY) | -0.2% | -2.4% | +2.2 pts |
| ROA | -0.02% | 0.60% | -0.6 pts |
| ROE | -0.2% | 4.1% | -4.3 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.2M | $30.7M | $21.1M | $3.1M | $-2K | -0.02% | 5.04% | 1.46% | 4,045 |
| Q4 2025 | $33.2M | $29.8M | $22.0M | $3.2M | $132K | 0.40% | 5.18% | 1.53% | 4,045 |
| Q3 2025 | $32.4M | $29.0M | $21.6M | $3.1M | $94K | 0.39% | 5.19% | 2.00% | 4,021 |
| Q2 2025 | $33.6M | $30.1M | $21.9M | $3.1M | $47K | 0.28% | 4.84% | 2.28% | 4,018 |
| Q1 2025 | $31.7M | $28.4M | $21.1M | $3.1M | $11K | 0.14% | 4.86% | 2.12% | 4,015 |
| Q4 2024 | $31.2M | $28.0M | $21.1M | $3.1M | $56K | 0.18% | 4.85% | 1.36% | 4,044 |
| Q3 2024 | $29.8M | $26.4M | $21.3M | $3.1M | $37K | 0.17% | 5.01% | 1.23% | 4,056 |
| Q2 2024 | $30.5M | $27.0M | $20.5M | $3.2M | $15K | 0.10% | 4.85% | 1.01% |
| Ratio | Alhambra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,655 |
Loan mix (Q1 2026): real estate $5.5M · commercial $0 · consumer $14.8M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 81.5% | 81th |
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 | Alhambra 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 | Alhambra 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 | Alhambra 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 | Alhambra 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.