| Metric | Arcade Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | -3.3% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -10.5% | -2.4% | -8.1 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.0M | $6.8M | $3.8M | $1.1M | $15K | 0.74% | 3.91% | 0.66% | 761 |
| Q4 2025 | $8.1M | $6.9M | $3.9M | $1.1M | $70K | 0.87% | 4.07% | 0.35% | 769 |
| Q3 2025 | $7.8M | $6.6M | $4.0M | $1.1M | $65K | 1.11% | 4.25% | 1.23% | 787 |
| Q2 2025 | $7.9M | $6.8M | $4.1M | $1.1M | $54K | 1.37% | 4.08% | 0.35% | 798 |
| Q1 2025 | $8.2M | $7.1M | $4.2M | $1.1M | $29K | 1.40% | 4.01% | 0.00% | 807 |
| Q4 2024 | $8.2M | $7.1M | $4.2M | $1.0M | $80K | 0.98% | 4.01% | 1.36% | 817 |
| Q3 2024 | $7.8M | $6.7M | $4.3M | $1.0M | $87K | 1.48% | 4.15% | 1.64% | 810 |
| Q2 2024 | $7.7M | $6.6M | $4.5M | $1.0M | $59K | 1.53% | 4.11% | 0.84% | 801 |
| Ratio | Arcade Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $926K · commercial $0 · consumer $2.6M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 81.5% | 54th |
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 | Arcade 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 | Arcade 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 | Arcade 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 | Arcade 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% |
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