| Metric | America's Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +3.9% | -6.6 pts |
| Share growth (YoY) | -3.2% | +3.3% | -6.5 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.0 pts |
| ROA | -0.07% | 0.69% | -0.8 pts |
| ROE | -0.5% | 5.9% | -6.4 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $422.5M | $357.9M | $278.9M | $64.0M | $-79K | -0.07% | 4.35% | 0.46% | 31,666 |
| Q4 2025 | $413.2M | $350.4M | $277.2M | $59.8M | $2.2M | 0.54% | 4.62% | 1.08% | 31,255 |
| Q3 2025 | $418.1M | $352.8M | $273.6M | $61.4M | $1.6M | 0.51% | 4.58% | 0.79% | 31,404 |
| Q2 2025 | $428.0M | $363.4M | $273.4M | $60.5M | $698K | 0.33% | 4.44% | 0.63% | 31,549 |
| Q1 2025 | $434.0M | $369.8M | $282.0M | $60.1M | $233K | 0.21% | 4.33% | 0.64% | 32,564 |
| Q4 2024 | $430.2M | $366.1M | $290.2M | $59.8M | $1.4M | 0.33% | 3.80% | 0.58% | 32,680 |
| Q3 2024 | $382.6M | $325.3M | $263.0M | $53.7M | $1.3M | 0.44% | 4.27% | 0.62% | 29,719 |
| Q2 2024 | $391.2M | $334.0M | $265.3M | $53.4M | $909K | 0.46% | 4.16% |
| Ratio | America's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.07% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 29,691 |
Loan mix (Q1 2026): real estate $114.9M · commercial $0 · consumer $118.3M · securities $46.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.9% | 78.7% | 96th |
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 | America's 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 | America's 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 | America's 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 | America's 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.