| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +1.3% | +6.3 pts |
| Share growth (YoY) | +7.8% | +0.7% | +7.1 pts |
| Loan growth (YoY) | -1.4% | -2.4% | +1.0 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.5M | $42.7M | $17.0M | $6.5M | $159K | 1.29% | 2.99% | 0.71% | 2,967 |
| Q4 2025 | $49.4M | $42.4M | $16.7M | $6.3M | $717K | 1.45% | 3.09% | 0.69% | 2,966 |
| Q3 2025 | $48.0M | $41.5M | $17.1M | $6.2M | $536K | 1.49% | 3.14% | 0.67% | 2,989 |
| Q2 2025 | $47.5M | $41.2M | $17.4M | $6.0M | $343K | 1.44% | 3.10% | 0.33% | 2,984 |
| Q1 2025 | $46.0M | $39.6M | $17.2M | $5.8M | $176K | 1.53% | 3.10% | 0.46% | 2,976 |
| Q4 2024 | $45.9M | $40.1M | $17.4M | $5.7M | $559K | 1.22% | 2.96% | 0.56% | 2,973 |
| Q3 2024 | $46.5M | $40.7M | $17.8M | $5.6M | $443K | 1.27% | 2.84% | 0.73% | 2,978 |
| Q2 2024 | $46.3M | $40.3M | $17.3M | $5.4M | $276K | 1.19% | 2.74% | 0.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Athens Area Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,973 |
Loan mix (Q1 2026): real estate $9.4M · commercial $0 · consumer $5.9M · securities $28.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 81.5% | 14th |
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 | Athens Area 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 | Athens Area 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 | Athens Area 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 | Athens Area 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.