| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.2 pts |
| ROA | 1.13% | 0.60% | +0.5 pts |
| ROE | 13.0% | 4.1% | +8.9 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.3M | $11.2M | $3.9M | $1.1M | $35K | 1.13% | 4.10% | 4.95% | 1,069 |
| Q4 2025 | $11.1M | $10.1M | $3.8M | $1.0M | $109K | 0.98% | 4.82% | 5.93% | 1,076 |
| Q3 2025 | $11.7M | $10.7M | $3.8M | $1.0M | $103K | 1.17% | 4.62% | 5.62% | 1,082 |
| Q2 2025 | $10.1M | $9.2M | $3.9M | $981K | $53K | 1.05% | 5.32% | 4.23% | 1,087 |
| Q1 2025 | $11.7M | $10.8M | $3.7M | $939K | $10K | 0.36% | 4.55% | 4.47% | 1,113 |
| Q4 2024 | $11.8M | $10.9M | $3.7M | $928K | $120K | 1.02% | 4.38% | 5.12% | 1,125 |
| Q3 2024 | $11.7M | $10.8M | $3.9M | $897K | $90K | 1.03% | 4.32% | 2.98% | 1,124 |
| Q2 2024 | $10.6M | $9.7M | $3.9M | $860K | $53K | 1.00% | 4.54% | 2.15% |
| Ratio | Asa Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,132 |
Loan mix (Q1 2026): real estate $0 · commercial $120K · consumer $3.5M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 81.5% | 28th |
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 | Asa 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 | Asa 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 | Asa 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 | Asa 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% |
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