| Metric | Alive Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.7 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | +1.1% | +2.9% | -1.9 pts |
| ROA | 0.88% | 0.69% | +0.2 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $294.2M | $261.1M | $165.0M | $33.6M | $651K | 0.88% | 3.10% | 0.41% | 18,605 |
| Q4 2025 | $283.2M | $250.3M | $163.0M | $33.0M | $2.2M | 0.76% | 3.22% | 0.54% | 18,550 |
| Q3 2025 | $279.8M | $246.8M | $161.4M | $32.5M | $1.6M | 0.79% | 3.26% | 0.86% | 18,665 |
| Q2 2025 | $280.4M | $249.0M | $165.7M | $32.0M | $1.1M | 0.81% | 3.23% | 0.71% | 18,855 |
| Q1 2025 | $287.7M | $256.7M | $163.3M | $31.6M | $776K | 1.08% | 3.16% | 0.73% | 19,159 |
| Q4 2024 | $280.2M | $250.0M | $161.3M | $30.8M | $1.7M | 0.59% | 2.85% | 0.78% | 19,410 |
| Q3 2024 | $284.5M | $252.5M | $163.3M | $30.3M | $1.1M | 0.53% | 2.66% | 0.70% | 19,663 |
| Q2 2024 | $286.1M | $253.8M | $164.3M | $29.8M | $601K | 0.42% | 2.36% |
| Ratio | Alive Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 19,891 |
Loan mix (Q1 2026): real estate $55.1M · commercial $13.6M · consumer $89.7M · securities $76.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 78.7% | 35th |
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 | Alive 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 | Alive 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 | Alive 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 | Alive 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.