| Metric | Arsenal Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.9% | +3.9% | -10.9 pts |
| Share growth (YoY) | -8.5% | +3.3% | -11.8 pts |
| Loan growth (YoY) | -0.8% | +2.9% | -3.8 pts |
| ROA | 0.45% | 0.69% | -0.2 pts |
| ROE | 5.2% | 5.9% | -0.7 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $395.1M | $361.5M | $290.1M | $33.7M | $442K | 0.45% | 4.75% | 1.65% | 29,837 |
| Q4 2025 | $409.2M | $376.0M | $293.5M | $33.5M | $1.2M | 0.28% | 4.34% | 2.33% | 30,063 |
| Q3 2025 | $427.6M | $394.7M | $297.0M | $33.0M | $754K | 0.24% | 4.06% | 2.20% | 30,244 |
| Q2 2025 | $431.6M | $400.8M | $291.0M | $32.9M | $606K | 0.28% | 3.83% | 2.05% | 30,272 |
| Q1 2025 | $424.5M | $395.1M | $292.5M | $32.5M | $192K | 0.18% | 3.66% | 1.89% | 30,328 |
| Q4 2024 | $420.0M | $381.7M | $292.3M | $32.5M | $-4.8M | -1.15% | 3.63% | 1.60% | 30,555 |
| Q3 2024 | $422.5M | $381.1M | $299.5M | $32.3M | $-5.1M | -1.60% | 3.63% | 1.56% | 31,566 |
| Q2 2024 | $414.0M | $373.0M | $289.6M | $36.2M | $-1.1M | -0.54% | 3.70% |
| Ratio | Arsenal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.69% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.78% |
| 31,538 |
Loan mix (Q1 2026): real estate $91.6M · commercial $62.6M · consumer $114.1M · securities $66.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 78.7% | 43rd |
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 | Arsenal 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 | Arsenal 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 | Arsenal 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 | Arsenal 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 | Arsenal 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.
4 branches in 3 counties across 2 states (+0 vs 2024). Biggest market: St. Louis, MO, ranked 38th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 2 | $200.4M* | 0.39% | 38th |
| Jefferson, MO | 1 | $100.2M* | 2.13% | 12th |
| St. Clair, IL | 1 | $100.2M* | 1.31% | 23rd |
Missouri: 124th with 0.11% · Illinois: 353rd with 0.01% · St. Louis metro: 57th, 0.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4