| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.8% | +2.7 pts |
| Share growth (YoY) | +6.6% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +4.1% | +4.3% | -0.3 pts |
| ROA | 0.38% | 0.62% | -0.2 pts |
| ROE | 3.4% | 5.9% | -2.5 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $709.5M | $628.8M | $466.1M | $79.8M | $681K | 0.38% | 2.72% | 0.49% | 31,150 |
| Q4 2025 | $697.8M | $617.6M | $456.9M | $79.1M | $7.1M | 1.01% | 2.56% | 0.51% | 30,919 |
| Q3 2025 | $680.8M | $601.9M | $455.1M | $77.1M | $5.0M | 0.98% | 2.56% | 0.48% | 30,900 |
| Q2 2025 | $678.7M | $604.4M | $451.2M | $74.9M | $2.7M | 0.81% | 2.49% | 0.50% | 30,764 |
| Q1 2025 | $660.4M | $589.8M | $447.9M | $72.5M | $438K | 0.27% | 2.48% | 0.46% | 30,642 |
| Q4 2024 | $640.7M | $573.2M | $444.8M | $72.1M | $5.3M | 0.83% | 2.31% | 0.61% | 30,565 |
| Q3 2024 | $630.7M | $563.1M | $442.0M | $70.7M | $3.9M | 0.82% | 2.30% | 0.61% | 30,412 |
| Q2 2024 | $623.2M | $560.3M | $443.3M | $69.3M | $2.5M | 0.81% | 2.28% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Apl Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.62% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 30,300 |
Loan mix (Q1 2026): real estate $239.0M · commercial $0 · consumer $226.2M · securities $188.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 78.3% | 69th |
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 | Apl 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 | Apl 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 | Apl 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 | Apl 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.