| Metric | Alliance Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.5% | +3.9% | +8.6 pts |
| Share growth (YoY) | +12.6% | +3.3% | +9.3 pts |
| Loan growth (YoY) | -0.4% | +2.9% | -3.3 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 5.9% | 5.9% | -0.0 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $422.0M | $323.0M | $333.7M | $46.6M | $690K | 0.65% | 2.89% | 0.53% | 20,852 |
| Q4 2025 | $399.5M | $296.1M | $331.0M | $45.9M | $2.9M | 0.73% | 3.04% | 1.14% | 20,927 |
| Q3 2025 | $395.6M | $291.4M | $328.2M | $45.9M | $2.2M | 0.75% | 3.04% | 0.61% | 21,126 |
| Q2 2025 | $370.6M | $286.7M | $330.7M | $45.2M | $1.5M | 0.82% | 3.21% | 0.50% | 21,435 |
| Q1 2025 | $375.1M | $286.8M | $335.0M | $44.3M | $622K | 0.66% | 3.10% | 0.54% | 21,596 |
| Q4 2024 | $374.5M | $276.9M | $332.5M | $43.6M | $2.5M | 0.68% | 2.94% | 0.71% | 21,081 |
| Q3 2024 | $377.4M | $291.0M | $336.8M | $43.5M | $1.7M | 0.62% | 2.92% | 0.87% | 21,912 |
| Q2 2024 | $380.9M | $294.8M | $339.1M | $42.6M | $820K | 0.43% | 2.85% |
| Ratio | Alliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 22,071 |
Loan mix (Q1 2026): real estate $214.9M · commercial $24.4M · consumer $76.7M · securities $27.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 78.7% | 37th |
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 | Alliance 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 | Alliance 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 | Alliance 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 | Alliance 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.