| Metric | Avestar Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +7.5% | +0.9% | +6.6 pts |
| Loan growth (YoY) | +0.8% | -2.6% | +3.4 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 4.4% | 4.4% | +0.0 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.2M | $59.6M | $54.2M | $8.1M | $180K | 0.53% | 4.43% | 1.35% | 5,803 |
| Q1 2026 | $66.5M | $58.2M | $53.4M | $8.0M | $25K | 0.15% | 4.46% | 1.44% | 5,873 |
| Q4 2025 | $65.0M | $56.5M | $55.0M | $7.9M | $303K | 0.47% | 4.61% | 1.55% | 5,790 |
| Q3 2025 | $64.9M | $56.6M | $54.8M | $7.9M | $225K | 0.46% | 4.54% | 1.23% | 5,873 |
| Q2 2025 | $63.7M | $55.4M | $53.7M | $7.7M | $55K | 0.17% | 4.50% | 1.66% | 5,842 |
| Q1 2025 | $63.8M | $55.6M | $53.5M | $7.7M | $24K | 0.15% | 4.35% | 1.86% | 6,036 |
| Q4 2024 | $65.2M | $57.1M | $53.8M | $7.6M | $40K | 0.06% | 4.28% | 1.69% | 6,211 |
| Q3 2024 | $65.2M | $56.7M | $54.1M | $7.6M | $-3K | -0.01% | 4.23% | 1.77% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Avestar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,246 |
| Q2 2024 | $64.3M | $56.1M | $53.7M | $7.5M | $-55K | -0.17% | 4.26% | 1.42% | 6,268 |
Loan mix (Q2 2026): real estate $29.1M · commercial $1.0M · consumer $20.5M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 80.6% | 55th |
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 | Avestar 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 | Avestar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Avestar 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 | Avestar 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 | Avestar 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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Dane, WI, ranked 42nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dane, WI | 2 | $29.8M* | 0.09% | 42nd |
| Jefferson, WI | 2 | $29.8M* | 0.96% | 15th |
Wisconsin: 235th with 0.02% · Madison metro: 53rd, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 4