| Metric | Aurgroup Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | -3.5% | +2.9% | -6.4 pts |
| ROA | 0.84% | 0.69% | +0.2 pts |
| ROE | 9.7% | 5.9% | +3.7 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $204.4M | $189.6M | $114.8M | $17.8M | $432K | 0.84% | 3.71% | 0.57% | 12,939 |
| Q4 2025 | $201.4M | $186.9M | $115.1M | $17.4M | $1.2M | 0.62% | 3.62% | 0.21% | 13,038 |
| Q3 2025 | $198.8M | $183.9M | $114.8M | $17.7M | $1.6M | 1.08% | 3.61% | 0.20% | 13,192 |
| Q2 2025 | $198.0M | $185.1M | $115.9M | $17.5M | $1.4M | 1.39% | 3.58% | 0.26% | 13,279 |
| Q1 2025 | $202.2M | $185.2M | $119.0M | $17.2M | $1.1M | 2.21% | 3.38% | 0.18% | 13,437 |
| Q4 2024 | $193.5M | $176.7M | $122.9M | $16.1M | $750K | 0.39% | 3.29% | 0.20% | 13,591 |
| Q3 2024 | $196.0M | $175.1M | $128.0M | $16.0M | $655K | 0.45% | 3.23% | 0.15% | 14,120 |
| Q2 2024 | $192.2M | $178.3M | $129.8M | $15.8M | $469K | 0.49% | 3.24% |
| Ratio | Aurgroup Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.05% |
| 14,232 |
Loan mix (Q1 2026): real estate $53.8M · commercial $8.2M · consumer $51.8M · securities $59.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.7% | 59th |
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 | Aurgroup 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 | Aurgroup 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 | Aurgroup 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 | Aurgroup 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.