| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -2.1% | +0.9% | -3.0 pts |
| Loan growth (YoY) | +0.2% | -2.6% | +2.9 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.4M | $2.8M | $1.5M | $1.7M | $9K | 0.40% | 3.82% | 0.85% | 500 |
| 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 |
| Ratio | Avh Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.3M |
| $2.8M |
| $1.5M |
| $1.6M |
| $32K |
| 1.47% |
| 4.89% |
| 0.00% |
| 576 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 80.6% | 71st |
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 |
|---|---|---|---|---|
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 | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Allegheny, PA, ranked 73rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allegheny, PA | 1 | $2.8M* | 0.00% | 73rd |
Pennsylvania: 417th with 0.00% · Pittsburgh metro: 139th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1