| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -4.1% | +0.7% | -4.8 pts |
| Loan growth (YoY) | +2.4% | -2.4% | +4.8 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.5M | $2.8M | $1.5M | $1.7M | $8K | 0.68% | 4.14% | 2.90% | 566 |
| Q4 2025 | $4.4M | $2.7M | $1.5M | $1.7M | $51K | 1.14% | 4.12% | 2.56% | 566 |
| Q3 2025 | $4.5M | $2.8M | $1.5M | $1.7M | $40K | 1.18% | 4.16% | 1.37% | 573 |
| Q2 2025 | $4.5M | $2.8M | $1.5M | $1.6M | $28K | 1.27% | 4.26% | 2.02% | 574 |
| Q1 2025 | $4.6M | $2.9M | $1.5M | $1.6M | $16K | 1.37% | 4.41% | 1.09% | 577 |
| Q4 2024 | $4.2M | $2.6M | $1.4M | $1.6M | $114K | 2.69% | 5.00% | 0.46% | 643 |
| Q3 2024 | $4.4M | $2.8M | $1.4M | $1.6M | $49K | 1.50% | 4.91% | 1.19% | 576 |
| Q2 2024 | $4.3M | $2.8M | $1.5M | $1.6M | $32K | 1.47% | 4.89% | 0.00% | 576 |
| Ratio | Avh Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 81.5% | 56th |
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 | Avh Federal 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 | Avh Federal 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 | Avh Federal 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 | Avh Federal 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% |
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