| Metric | Alpha Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | -0.7% | +0.9% | -1.6 pts |
| Loan growth (YoY) | +0.2% | -2.6% | +2.8 pts |
| ROA | 1.97% | 0.65% | +1.3 pts |
| ROE | 10.5% | 4.4% | +6.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.1M | $28.2M | $19.4M | $6.6M | $346K | 1.97% | 4.56% | 0.14% | 3,710 |
| Q1 2026 | $35.1M | $28.3M | $18.9M | $6.4M | $185K | 2.11% | 4.52% | 0.16% | 3,765 |
| Q4 2025 | $34.8M | $28.3M | $19.0M | $6.2M | $590K | 1.70% | 4.58% | 0.06% | 3,786 |
| Q3 2025 | $34.5M | $28.2M | $19.6M | $6.0M | $443K | 1.71% | 4.60% | 0.12% | 3,818 |
| Q2 2025 | $34.5M | $28.4M | $19.4M | $5.9M | $269K | 1.56% | 4.55% | 0.14% | 3,848 |
| Q1 2025 | $34.7M | $28.8M | $19.1M | $5.8M | $109K | 1.25% | 4.33% | 0.54% | 3,900 |
| Q4 2024 | $34.5M | $28.6M | $18.3M | $5.7M | $458K | 1.33% | 4.20% | 0.69% | 3,938 |
| Q3 2024 | $35.5M | $29.8M | $18.5M | $5.6M | $354K | 1.33% | 4.02% | 0.31% |
| Ratio | Alpha Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,983 |
| Q2 2024 | $35.3M | $29.7M | $18.3M | $5.4M | $218K | 1.23% | 3.93% | 0.17% | 3,987 |
Loan mix (Q2 2026): real estate $9.1M · commercial $0 · consumer $10.2M · securities $12.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 80.6% | 16th |
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 | Alpha 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 | Alpha 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 | Alpha 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 | Alpha 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 | Alpha 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Suffolk, MA, ranked 46th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Suffolk, MA | 2 | $28.2M* | 0.01% | 46th |
Massachusetts: 193rd with 0.00% · Boston-Cambridge-Newton metro: 143rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2