| Metric | Alliance Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +71.1% | +5.1% | +66.0 pts |
| Share growth (YoY) | +73.9% | +4.9% | +69.1 pts |
| Loan growth (YoY) | +58.6% | +5.4% | +53.2 pts |
| ROA | 0.76% | 0.71% | +0.0 pts |
| ROE | 6.9% | 6.3% | +0.6 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.09B | $958.7M | $868.0M | $119.8M | $2.1M | 0.76% | 3.64% | 0.77% | 83,777 |
| Q4 2025 | $679.6M | $587.5M | $571.6M | $77.1M | $6.2M | 0.91% | 3.86% | 0.95% | 57,077 |
| Q3 2025 | $656.2M | $575.4M | $554.5M | $75.7M | $4.7M | 0.96% | 3.92% | 0.93% | 55,808 |
| Q2 2025 | $647.5M | $542.2M | $552.9M | $74.1M | $3.2M | 0.97% | 3.83% | 0.75% | 54,391 |
| Q1 2025 | $638.9M | $551.2M | $547.2M | $72.3M | $1.4M | 0.88% | 3.72% | 0.91% | 53,900 |
| Q4 2024 | $621.7M | $538.4M | $535.6M | $72.4M | $5.7M | 0.91% | 3.53% | 0.91% | 52,587 |
| Q3 2024 | $613.4M | $537.3M | $513.5M | $71.3M | $4.5M | 0.98% | 3.53% | 0.95% | 51,436 |
| Q2 2024 | $606.0M | $530.7M | $503.6M | $69.5M | $2.7M | 0.90% | 3.49% |
| Ratio | Alliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.71% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 6.3% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.10% |
| 50,028 |
Loan mix (Q1 2026): real estate $410.4M · commercial $153.4M · consumer $291.6M · securities $51.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 73.0% | 63th |
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.