| Metric | Artesia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | +0.0 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | -0.1% | +2.9% | -3.1 pts |
| ROA | 1.24% | 0.69% | +0.5 pts |
| ROE | 7.7% | 5.9% | +1.7 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $168.4M | $140.2M | $115.2M | $27.2M | $522K | 1.24% | 3.43% | 0.82% | 9,844 |
| Q4 2025 | $163.5M | $136.6M | $115.0M | $26.5M | $2.6M | 1.56% | 3.43% | 0.39% | 9,778 |
| Q3 2025 | $155.7M | $129.3M | $114.9M | $25.9M | $2.3M | 2.01% | 3.56% | 0.58% | 9,762 |
| Q2 2025 | $156.2M | $130.6M | $115.9M | $25.0M | $1.5M | 1.86% | 3.47% | 0.51% | 9,734 |
| Q1 2025 | $162.1M | $137.2M | $115.3M | $24.2M | $591K | 1.46% | 3.22% | 0.34% | 9,669 |
| Q4 2024 | $156.9M | $132.7M | $114.4M | $23.6M | $2.4M | 1.55% | 3.06% | 0.85% | 9,566 |
| Q3 2024 | $150.2M | $126.6M | $114.1M | $22.9M | $1.8M | 1.59% | 3.12% | 1.12% | 9,504 |
| Q2 2024 | $148.2M | $125.3M | $112.4M | $22.2M | $1.1M | 1.48% | 3.06% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Artesia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.62% |
| 9,418 |
Loan mix (Q1 2026): real estate $34.7M · commercial $0 · consumer $69.6M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 78.7% | 21th |
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 | Artesia 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 | Artesia 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 | Artesia 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 | Artesia 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.