| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.9% | +0.7 pts |
| Share growth (YoY) | +2.9% | +3.3% | -0.4 pts |
| Loan growth (YoY) | +4.0% | +2.9% | +1.1 pts |
| ROA | 1.14% | 0.69% | +0.4 pts |
| ROE | 7.1% | 5.9% | +1.1 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $462.0M | $393.6M | $250.4M | $74.6M | $1.3M | 1.14% | 3.80% | 0.73% | 37,753 |
| Q4 2025 | $453.3M | $396.4M | $262.8M | $73.3M | $6.6M | 1.45% | 3.94% | 1.04% | 37,663 |
| Q3 2025 | $447.4M | $381.3M | $260.2M | $71.5M | $4.8M | 1.42% | 3.95% | 0.39% | 37,672 |
| Q2 2025 | $442.7M | $380.8M | $243.2M | $70.1M | $3.4M | 1.53% | 3.94% | 0.37% | 37,660 |
| Q1 2025 | $441.7M | $382.3M | $240.7M | $67.7M | $966K | 0.88% | 3.89% | 0.21% | 37,556 |
| Q4 2024 | $433.6M | $384.2M | $234.4M | $66.7M | $6.1M | 1.40% | 3.55% | 0.34% | 37,553 |
| Q3 2024 | $432.0M | $375.1M | $231.5M | $64.7M | $4.0M | 1.24% | 3.52% | 0.29% | 37,646 |
| Q2 2024 | $427.5M | $384.7M | $232.6M | $63.5M | $2.9M | 1.34% | 3.46% |
| Ratio | Aod Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 37,622 |
Loan mix (Q1 2026): real estate $80.4M · commercial $106.1M · consumer $56.3M · securities $138.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 78.7% | 31th |
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 | Aod Federal 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 | Aod Federal 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 | Aod Federal 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 | Aod Federal 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.