| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +5.1% | +5.7 pts |
| Share growth (YoY) | +9.3% | +4.9% | +4.5 pts |
| Loan growth (YoY) | +10.5% | +5.4% | +5.1 pts |
| ROA | 0.65% | 0.71% | -0.1 pts |
| ROE | 5.1% | 6.3% | -1.2 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.56B | $2.20B | $1.86B | $326.9M | $4.2M | 0.65% | 3.60% | 0.30% | 172,340 |
| Q4 2025 | $2.30B | $1.98B | $1.73B | $294.3M | $17.5M | 0.76% | 3.41% | 0.34% | 157,397 |
| Q3 2025 | $2.23B | $1.91B | $1.71B | $288.5M | $11.2M | 0.67% | 3.45% | 0.40% | 157,053 |
| Q2 2025 | $2.29B | $1.98B | $1.71B | $284.2M | $7.0M | 0.61% | 3.23% | 0.36% | 156,233 |
| Q1 2025 | $2.31B | $2.01B | $1.69B | $279.6M | $2.4M | 0.41% | 3.05% | 0.34% | 155,376 |
| Q4 2024 | $2.24B | $1.96B | $1.64B | $277.2M | $11.1M | 0.49% | 2.96% | 0.37% | 155,380 |
| Q3 2024 | $2.25B | $1.95B | $1.61B | $274.8M | $8.1M | 0.48% | 2.91% | 0.36% | 155,696 |
| Q2 2024 | $2.24B | $1.96B | $1.56B | $274.2M | $4.7M | 0.42% | 2.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Associated Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.71% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 6.3% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 155,394 |
Loan mix (Q1 2026): real estate $764.6M · commercial $81.7M · consumer $1.00B · securities $301.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 73.0% | 57th |
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 | Associated 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 | Associated 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 | Associated 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 | Associated 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.