| Metric | Alltrust Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.7% | +3.9% | -12.6 pts |
| Share growth (YoY) | -0.8% | +3.3% | -4.1 pts |
| Loan growth (YoY) | -9.8% | +2.9% | -12.7 pts |
| ROA | -0.27% | 0.69% | -1.0 pts |
| ROE | -3.2% | 5.9% | -9.1 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $291.3M | $246.7M | $220.6M | $25.0M | $-199K | -0.27% | 1.90% | 3.65% | 11,512 |
| Q4 2025 | $293.5M | $248.1M | $225.0M | $25.2M | $-4.6M | -1.55% | 1.94% | 4.14% | 11,547 |
| Q3 2025 | $303.8M | $246.7M | $230.1M | $26.5M | $-3.3M | -1.44% | 1.87% | 3.84% | 12,019 |
| Q2 2025 | $309.5M | $245.6M | $238.2M | $27.3M | $-2.5M | -1.60% | 1.87% | 3.67% | 12,106 |
| Q1 2025 | $318.8M | $248.8M | $244.4M | $28.4M | $-1.4M | -1.73% | 1.71% | 2.71% | 12,188 |
| Q4 2024 | $316.0M | $242.5M | $247.8M | $29.8M | $-148K | -0.05% | 1.95% | 1.19% | 12,255 |
| Q3 2024 | $311.6M | $232.9M | $258.3M | $30.0M | $112K | 0.05% | 2.04% | 1.19% | 12,757 |
| Q2 2024 | $315.0M | $231.6M | $265.3M | $29.9M | $988 | 0.00% |
| Ratio | Alltrust Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -3.2% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.07% |
| 2.63% |
| 12,819 |
Loan mix (Q1 2026): real estate $161.0M · commercial $51.4M · consumer $6.6M · securities $16.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.1% | 78.7% | 99th |
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 | Alltrust 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 | Alltrust 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 | Alltrust 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 | Alltrust 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.