| Metric | Athol Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +5.2% | +0.7% | +4.5 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +4.9 pts |
| ROA | -0.34% | 0.60% | -0.9 pts |
| ROE | -3.9% | 4.1% | -8.0 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $97.3M | $77.5M | $85.9M | $8.5M | $-83K | -0.34% | 3.53% | 0.66% | 6,279 |
| Q4 2025 | $97.7M | $75.2M | $85.3M | $8.6M | $128K | 0.13% | 3.26% | 0.60% | 6,258 |
| Q3 2025 | $94.4M | $75.7M | $82.8M | $8.6M | $42K | 0.06% | 3.28% | 0.49% | 6,211 |
| Q2 2025 | $91.2M | $74.8M | $80.9M | $8.6M | $75K | 0.16% | 3.38% | 0.17% | 6,402 |
| Q1 2025 | $95.3M | $73.7M | $83.7M | $8.5M | $-107K | -0.45% | 3.08% | 0.53% | 6,377 |
| Q4 2024 | $94.9M | $73.7M | $83.8M | $8.6M | $21K | 0.02% | 2.98% | 0.56% | 6,312 |
| Q3 2024 | $92.4M | $73.2M | $81.6M | $8.5M | $-52K | -0.07% | 3.03% | 1.04% | 6,459 |
| Q2 2024 | $91.9M | $72.4M | $81.1M | $8.5M | $-65K | -0.14% | 3.01% | 0.54% |
| Ratio | Athol Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.34% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -3.9% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,533 |
Loan mix (Q1 2026): real estate $65.4M · commercial $2.7M · consumer $17.4M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.2% | 81.5% | 89th |
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 | Athol 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 | Athol 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 | Athol 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 | Athol 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.