| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.7% | +0.9% | -3.7 pts |
| Loan growth (YoY) | +13.8% | -2.6% | +16.4 pts |
| ROA | 1.23% | 0.65% | +0.6 pts |
| ROE | 4.6% | 4.4% | +0.2 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.9M | $14.4M | $11.9M | $5.4M | $122K | 1.23% | 5.22% | 1.32% | 3,513 |
| Q1 2026 | $20.0M | $14.6M | $11.7M | $5.3M | $45K | 0.90% | 5.00% | 0.98% | 3,700 |
| Q4 2025 | $18.6M | $13.3M | $11.2M | $5.2M | $218K | 1.17% | 5.03% | 2.47% | 3,666 |
| Q3 2025 | $19.0M | $13.7M | $10.6M | $5.2M | $154K | 1.08% | 4.79% | 2.03% | 3,656 |
| Q2 2025 | $20.2M | $14.8M | $10.4M | $5.1M | $78K | 0.77% | 4.30% | 1.75% | 3,619 |
| Q1 2025 | $19.3M | $14.1M | $9.5M | $5.0M | $21K | 0.44% | 4.33% | 0.93% | 3,779 |
| Q4 2024 | $18.6M | $13.5M | $10.2M | $5.0M | $173K | 0.93% | 4.72% | 2.07% | 3,786 |
| Q3 2024 | $19.2M | $14.1M | $10.2M | $5.0M | $142K | 0.98% | 4.64% | 1.59% |
| Ratio | Arh Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,745 |
| Q2 2024 | $19.2M | $14.1M | $10.3M | $5.0M | $122K | 1.27% | 4.78% | 2.07% | 3,780 |
Loan mix (Q2 2026): real estate $4.6M · commercial $0 · consumer $5.8M · securities $71K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 80.6% | 36th |
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 | Arh 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 | Arh 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 | Arh 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 | Arh 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 | Arh 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Bell, KY, ranked 5th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bell, KY | 1 | $14.4M* | 2.11% | 5th |
Kentucky: 205th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1