| Metric | Americu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +5.1% | +2.7 pts |
| Share growth (YoY) | +8.4% | +4.9% | +3.6 pts |
| Loan growth (YoY) | +6.8% | +5.4% | +1.4 pts |
| ROA | 0.72% | 0.71% | +0.0 pts |
| ROE | 7.6% | 6.3% | +1.4 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.01B | $2.62B | $2.54B | $284.5M | $5.4M | 0.72% | 3.75% | 1.27% | 205,600 |
| Q4 2025 | $2.96B | $2.55B | $2.53B | $279.1M | $15.5M | 0.52% | 3.34% | 1.64% | 202,033 |
| Q3 2025 | $2.82B | $2.43B | $2.47B | $274.5M | $11.0M | 0.52% | 3.41% | 1.79% | 196,038 |
| Q2 2025 | $2.82B | $2.43B | $2.44B | $268.1M | $4.5M | 0.32% | 3.29% | 1.65% | 173,857 |
| Q1 2025 | $2.79B | $2.42B | $2.38B | $264.1M | $531K | 0.08% | 3.15% | 1.73% | 169,402 |
| Q4 2024 | $2.75B | $2.36B | $2.37B | $263.6M | $10.9M | 0.39% | 2.96% | 2.13% | 166,312 |
| Q3 2024 | $2.69B | $2.30B | $2.31B | $262.4M | $9.7M | 0.48% | 2.97% | 2.19% | 167,171 |
| Q2 2024 | $2.71B | $2.33B | $2.28B | $258.7M | $6.0M | 0.44% | 2.88% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Americu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.71% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.3% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 2.03% |
| 164,458 |
Loan mix (Q1 2026): real estate $1.20B · commercial $315.6M · consumer $791.4M · securities $207.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 73.0% | 22th |
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 | Americu 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 | Americu 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 | Americu 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 | Americu 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.