| Metric | Ascentra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.8% | -0.4 pts |
| Share growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +2.8% | +4.3% | -1.5 pts |
| ROA | 0.50% | 0.62% | -0.1 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $593.2M | $506.9M | $410.8M | $59.7M | $745K | 0.50% | 4.23% | 0.89% | 42,882 |
| Q4 2025 | $575.2M | $489.3M | $415.3M | $59.0M | $3.0M | 0.53% | 4.28% | 0.89% | 43,245 |
| Q3 2025 | $566.5M | $485.7M | $416.9M | $58.5M | $2.5M | 0.59% | 4.31% | 1.03% | 43,245 |
| Q2 2025 | $571.2M | $492.8M | $409.8M | $57.6M | $1.6M | 0.55% | 4.21% | 0.68% | 43,057 |
| Q1 2025 | $568.4M | $490.4M | $399.6M | $56.8M | $786K | 0.55% | 4.12% | 0.75% | 42,798 |
| Q4 2024 | $543.9M | $466.7M | $398.2M | $56.0M | $2.3M | 0.43% | 4.08% | 0.97% | 42,730 |
| Q3 2024 | $538.9M | $454.5M | $390.4M | $55.9M | $2.2M | 0.54% | 4.09% | 1.00% | 43,033 |
| Q2 2024 | $549.3M | $464.7M | $388.8M | $55.3M | $1.6M | 0.57% | 3.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Ascentra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.62% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.04% |
| 43,093 |
Loan mix (Q1 2026): real estate $226.9M · commercial $53.2M · consumer $118.4M · securities $69.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 78.3% | 67th |
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 | Ascentra 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 | Ascentra 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 | Ascentra 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 | Ascentra 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.