No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 6,246 |
| Q2 2024 | $64.3M | $56.1M | $53.7M | $7.5M | $-55K | -0.17% | 4.26% | 1.42% |
| Ratio | Avestar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,268 |
Loan mix (Q1 2026): real estate $28.2M · commercial $1.0M · consumer $20.6M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 81.5% | 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 | 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 |
|---|---|---|---|---|
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.