| Metric | Antioch Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.8% | +1.3% | -15.1 pts |
| Share growth (YoY) | -18.9% | +0.7% | -19.5 pts |
| Loan growth (YoY) | -34.8% | -2.4% | -32.5 pts |
| ROA | -1.82% | 0.60% | -2.4 pts |
| ROE | -5.2% | 4.1% | -9.3 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.6M | $1.7M | $286K | $907K | $-12K | -1.82% | 2.84% | 7.98% | 728 |
| Q4 2025 | $2.7M | $1.8M | $343K | $919K | $-14K | -0.50% | 2.47% | 6.64% | 713 |
| Q3 2025 | $2.8M | $1.8M | $353K | $925K | $-7K | -0.33% | 2.54% | 6.52% | 719 |
| Q2 2025 | $2.9M | $2.0M | $394K | $930K | $5K | 0.35% | 2.52% | 0.30% | 725 |
| Q1 2025 | $3.0M | $2.1M | $438K | $933K | $1K | 0.14% | 2.53% | 1.30% | 728 |
| Q4 2024 | $3.1M | $2.2M | $469K | $932K | $7K | 0.22% | 2.70% | 0.90% | 737 |
| Q3 2024 | $3.1M | $2.2M | $463K | $931K | $5K | 0.22% | 2.72% | 0.88% | 737 |
| Q2 2024 | $3.2M | $2.3M | $495K | $929K | $3K | 0.21% | 2.59% | 0.77% | 734 |
| Ratio | Antioch Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.82% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -5.2% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $286K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 164.1% | 81.5% | 98th |
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 | Antioch 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 | Antioch 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 | Antioch 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 | Antioch 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 | Antioch 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 2024). Biggest market: Cuyahoga, OH, ranked 58th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 2 | $2.0M* | 0.00% | 58th |
Ohio: 392nd with 0.00% · Cleveland metro: 81st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2