| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.9% | +1.0 pts |
| Share growth (YoY) | +3.5% | +3.3% | +0.2 pts |
| Loan growth (YoY) | +1.2% | +2.9% | -1.7 pts |
| ROA | 1.49% | 0.69% | +0.8 pts |
| ROE | 11.8% | 5.9% | +5.9 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $155.0M | $134.8M | $78.3M | $19.5M | $578K | 1.49% | 4.18% | 0.84% | 14,491 |
| Q4 2025 | $150.2M | $130.5M | $80.3M | $19.0M | $2.5M | 1.69% | 4.08% | 1.51% | 14,465 |
| Q3 2025 | $147.9M | $129.0M | $80.4M | $18.2M | $1.7M | 1.57% | 4.07% | 1.57% | 14,438 |
| Q2 2025 | $146.3M | $128.0M | $77.9M | $17.6M | $1.1M | 1.46% | 4.03% | 1.72% | 14,418 |
| Q1 2025 | $147.8M | $130.3M | $77.3M | $17.0M | $531K | 1.44% | 3.86% | 1.31% | 14,419 |
| Q4 2024 | $142.1M | $125.0M | $77.5M | $16.5M | $2.2M | 1.55% | 3.76% | 1.62% | 14,392 |
| Q3 2024 | $139.7M | $123.1M | $77.8M | $16.0M | $1.7M | 1.58% | 3.79% | 1.25% | 14,354 |
| Q2 2024 | $142.6M | $126.7M | $76.6M | $15.4M | $1.0M | 1.42% | 3.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Arc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.09% |
| 14,307 |
Loan mix (Q1 2026): real estate $39.0M · commercial $9.3M · consumer $25.8M · securities $58.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 78.7% | 20th |
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 | Arc 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 | Arc Federal 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 | Arc 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 | Arc 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 | Arc 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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Blair, PA, ranked 8th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Blair, PA | 2 | $128.0M* | 3.00% | 8th |
Pennsylvania: 192nd with 0.02% · Altoona metro: 8th, 3.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2