| Metric | Avadian Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.1% | -3.2 pts |
| Share growth (YoY) | +0.1% | +4.9% | -4.7 pts |
| Loan growth (YoY) | +3.1% | +5.4% | -2.3 pts |
| ROA | 1.04% | 0.71% | +0.3 pts |
| ROE | 10.4% | 6.3% | +4.1 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.43B | $1.29B | $1.14B | $143.3M | $3.7M | 1.04% | 3.50% | 0.39% | 83,228 |
| Q4 2025 | $1.41B | $1.27B | $1.14B | $139.3M | $13.1M | 0.93% | 3.46% | 0.57% | 83,856 |
| Q3 2025 | $1.38B | $1.24B | $1.13B | $135.9M | $9.6M | 0.93% | 3.48% | 0.38% | 86,725 |
| Q2 2025 | $1.38B | $1.26B | $1.11B | $131.5M | $5.2M | 0.75% | 3.37% | 0.34% | 86,235 |
| Q1 2025 | $1.40B | $1.28B | $1.10B | $128.7M | $2.5M | 0.70% | 3.20% | 0.29% | 85,868 |
| Q4 2024 | $1.38B | $1.26B | $1.09B | $126.3M | $4.6M | 0.33% | 2.92% | 0.31% | 97,051 |
| Q3 2024 | $1.39B | $1.27B | $1.08B | $125.2M | $3.4M | 0.33% | 2.85% | 0.26% | 97,051 |
| Q2 2024 | $1.39B | $1.26B | $1.06B | $124.1M | $2.3M | 0.32% | 2.80% |
| Ratio | Avadian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.71% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 6.3% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 95,406 |
Loan mix (Q1 2026): real estate $569.3M · commercial $96.7M · consumer $448.3M · securities $100.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 73.0% | 47th |
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 | Avadian 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 | Avadian 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 | Avadian 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 | Avadian 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.