| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +4.8% | -5.7 pts |
| Share growth (YoY) | -1.4% | +4.3% | -5.8 pts |
| Loan growth (YoY) | -2.8% | +4.3% | -7.2 pts |
| ROA | 0.33% | 0.62% | -0.3 pts |
| ROE | 2.2% | 5.9% | -3.8 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $666.9M | $550.3M | $459.5M | $101.9M | $551K | 0.33% | 5.38% | 2.14% | 67,556 |
| Q4 2025 | $657.6M | $542.6M | $467.9M | $101.3M | $3.7M | 0.56% | 5.49% | 2.46% | 67,308 |
| Q3 2025 | $649.7M | $535.5M | $474.8M | $101.3M | $1.3M | 0.26% | 5.50% | 2.37% | 67,235 |
| Q2 2025 | $666.3M | $550.5M | $480.4M | $100.5M | $458K | 0.14% | 5.30% | 2.21% | 66,864 |
| Q1 2025 | $673.4M | $558.3M | $472.9M | $99.9M | $-107K | -0.06% | 5.07% | 2.24% | 66,562 |
| Q4 2024 | $660.9M | $546.0M | $478.0M | $100.0M | $5.3M | 0.80% | 5.09% | 2.56% | 66,198 |
| Q3 2024 | $670.2M | $555.2M | $465.9M | $101.6M | $4.3M | 0.86% | 4.95% | 2.16% | 66,032 |
| Q2 2024 | $704.6M | $588.1M | $463.5M | $100.7M | $3.5M | 1.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | American 1 Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.62% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.38% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 4.63% |
| 1.93% |
| 65,531 |
Loan mix (Q1 2026): real estate $17.7M · commercial $276K · consumer $412.8M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.3% | 34th |
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 | American 1 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 | American 1 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 | American 1 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 | American 1 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.