| Metric | Arcadia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.2 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | +7.6% | +2.9% | +4.7 pts |
| ROA | 1.22% | 0.69% | +0.5 pts |
| ROE | 9.5% | 5.9% | +3.6 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $142.0M | $122.1M | $108.4M | $18.1M | $432K | 1.22% | 3.43% | 0.37% | 7,002 |
| Q4 2025 | $139.0M | $119.6M | $105.9M | $17.7M | $1.7M | 1.21% | 3.58% | 0.44% | 6,958 |
| Q3 2025 | $134.6M | $115.7M | $103.1M | $17.2M | $1.2M | 1.16% | 3.62% | 0.42% | 6,950 |
| Q2 2025 | $133.0M | $114.7M | $100.5M | $16.7M | $718K | 1.08% | 3.59% | 0.21% | 6,899 |
| Q1 2025 | $132.6M | $114.8M | $100.8M | $16.3M | $311K | 0.94% | 3.48% | 0.20% | 6,870 |
| Q4 2024 | $129.0M | $111.5M | $101.0M | $16.0M | $1.1M | 0.82% | 3.28% | 0.15% | 6,800 |
| Q3 2024 | $126.0M | $108.8M | $99.8M | $15.6M | $697K | 0.74% | 3.28% | 0.11% | 6,744 |
| Q2 2024 | $125.8M | $108.8M | $97.0M | $15.3M | $394K | 0.63% | 3.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Arcadia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 6,674 |
Loan mix (Q1 2026): real estate $80.1M · commercial $10.1M · consumer $17.0M · securities $18.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 78.7% | 24th |
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 | Arcadia 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 | Arcadia 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 | Arcadia 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 | Arcadia 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.