| Metric | Aspire Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.8 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.6 pts |
| ROA | 1.80% | 0.60% | +1.2 pts |
| ROE | 8.9% | 4.1% | +4.8 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.9M | $30.0M | $23.1M | $7.7M | $171K | 1.80% | 5.18% | 0.10% | 2,636 |
| Q4 2025 | $38.4M | $30.5M | $22.0M | $7.5M | $703K | 1.83% | 5.22% | 0.19% | 2,441 |
| Q3 2025 | $38.5M | $30.9M | $22.5M | $7.3M | $546K | 1.89% | 5.18% | 0.19% | 2,596 |
| Q2 2025 | $38.0M | $30.6M | $22.1M | $7.2M | $368K | 1.94% | 5.19% | 0.06% | 2,585 |
| Q1 2025 | $38.1M | $31.0M | $22.6M | $6.9M | $142K | 1.49% | 5.05% | 0.02% | 2,579 |
| Q4 2024 | $37.1M | $30.3M | $23.1M | $6.8M | $733K | 1.98% | 5.02% | 0.30% | 2,573 |
| Q3 2024 | $37.7M | $30.9M | $23.7M | $6.6M | $561K | 1.98% | 4.88% | 0.28% | 2,563 |
| Q2 2024 | $37.9M | $31.4M | $24.3M | $6.4M | $364K | 1.92% | 4.74% | 0.30% |
| Ratio | Aspire Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.60% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,567 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $15.9M · securities $9.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 81.5% | 27th |
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 | Aspire 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 | Aspire 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 | Aspire 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 | Aspire 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 | Aspire 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 2024). Biggest market: Angelina, TX, ranked 13th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Angelina, TX | 1 | $30.6M* | 1.50% | 13th |
Texas: 668th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1