| Metric | Alive Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.1% | +1.3 pts |
| Share growth (YoY) | +5.0% | +3.5% | +1.4 pts |
| Loan growth (YoY) | +3.6% | +2.9% | +0.7 pts |
| ROA | 1.14% | 0.74% | +0.4 pts |
| ROE | 9.7% | 6.5% | +3.3 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $295.5M | $261.4M | $171.7M | $34.7M | $1.7M | 1.14% | 3.12% | 0.47% | 18,717 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Alive Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.74% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 6.5% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 19,663 |
| Q2 2024 | $286.1M | $253.8M | $164.3M | $29.8M | $601K | 0.42% | 2.36% | 0.76% | 19,891 |
Loan mix (Q2 2026): real estate $55.8M · commercial $13.4M · consumer $95.7M · securities $78.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 77.5% | 25th |
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 |
|---|---|---|---|---|
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 | 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.
10 branches in 2 counties across 2 states (-1 vs 2025). Biggest market: Duval, FL, ranked 24th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Duval, FL | 9 | $235.2M* | 0.19% | 24th |
| Tangipahoa, LA | 1 | $26.1M* | 0.63% | 17th |
Florida: 174th with 0.02% · Louisiana: 187th with 0.02% · Jacksonville metro: 27th, 0.17% · Hammond metro: 17th, 0.63% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 11 · 2025 11 · 2026 10