| Metric | All One Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.8% | -8.3 pts |
| Share growth (YoY) | +1.0% | +4.3% | -3.3 pts |
| Loan growth (YoY) | -2.7% | +4.3% | -7.0 pts |
| ROA | 0.39% | 0.62% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $864.4M | $701.5M | $625.4M | $75.8M | $832K | 0.39% | 2.84% | 0.20% | 36,606 |
| Q4 2025 | $869.3M | $691.6M | $629.5M | $74.9M | $3.2M | 0.36% | 2.69% | 0.78% | 36,759 |
| Q3 2025 | $877.3M | $684.7M | $638.0M | $73.2M | $1.4M | 0.22% | 2.62% | 0.34% | 36,759 |
| Q2 2025 | $883.8M | $690.9M | $643.5M | $72.7M | $435K | 0.10% | 2.54% | 0.29% | 36,977 |
| Q1 2025 | $896.2M | $694.7M | $642.7M | $71.9M | $-340K | -0.15% | 2.42% | 0.19% | 36,787 |
| Q4 2024 | $903.2M | $678.1M | $647.2M | $72.2M | $833K | 0.09% | 2.35% | 0.29% | 36,614 |
| Q3 2024 | $916.0M | $674.6M | $653.5M | $72.4M | $966K | 0.14% | 2.30% | 0.28% | 36,855 |
| Q2 2024 | $901.9M | $680.7M | $650.1M | $73.3M | $1.5M | 0.33% | 2.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | All One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.62% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 37,064 |
Loan mix (Q1 2026): real estate $381.0M · commercial $59.4M · consumer $152.8M · securities $198.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.9% | 78.3% | 95th |
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 | All One 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 | All One 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 | All One 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 | All One 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.