| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.9% | -4.4 pts |
| Share growth (YoY) | -0.8% | +3.3% | -4.1 pts |
| Loan growth (YoY) | -6.6% | +2.9% | -9.6 pts |
| ROA | 0.16% | 0.69% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.2 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $211.7M | $191.6M | $130.0M | $18.4M | $82K | 0.16% | 3.72% | 1.13% | 11,782 |
| Q4 2025 | $212.6M | $192.9M | $130.5M | $18.3M | $610K | 0.29% | 3.70% | 0.36% | 11,858 |
| Q3 2025 | $212.5M | $192.3M | $137.7M | $18.3M | $508K | 0.32% | 3.70% | 0.26% | 11,968 |
| Q2 2025 | $214.9M | $195.2M | $138.3M | $18.0M | $88K | 0.08% | 3.59% | 0.38% | 12,094 |
| Q1 2025 | $212.9M | $193.1M | $139.2M | $18.0M | $13K | 0.02% | 3.53% | 0.53% | 12,157 |
| Q4 2024 | $209.0M | $189.1M | $139.9M | $18.0M | $51K | 0.02% | 3.43% | 0.55% | 12,259 |
| Q3 2024 | $211.2M | $188.7M | $140.2M | $17.8M | $-52K | -0.03% | 3.39% | 0.77% | 12,331 |
| Q2 2024 | $214.9M | $195.6M | $137.1M | $18.1M | $70K | 0.07% | 3.28% |
| Ratio | Alta Vista Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 12,505 |
Loan mix (Q1 2026): real estate $96.5M · commercial $1.6M · consumer $29.2M · securities $39.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 78.7% | 88th |
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 | Alta Vista 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 | Alta Vista 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 | Alta Vista 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 | Alta Vista 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.