| Metric | Azura Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.8% | -1.8 pts |
| Share growth (YoY) | +4.6% | +4.3% | +0.3 pts |
| Loan growth (YoY) | -2.7% | +4.3% | -7.1 pts |
| ROA | 0.48% | 0.62% | -0.1 pts |
| ROE | 4.8% | 5.9% | -1.1 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $851.9M | $747.5M | $578.6M | $86.3M | $1.0M | 0.48% | 3.86% | 0.84% | 59,571 |
| Q4 2025 | $830.3M | $720.9M | $580.9M | $85.2M | $2.8M | 0.33% | 3.91% | 0.79% | 60,228 |
| Q3 2025 | $824.4M | $711.6M | $585.4M | $85.0M | $1.3M | 0.22% | 3.90% | 0.58% | 63,020 |
| Q2 2025 | $827.4M | $714.9M | $588.7M | $84.4M | $735K | 0.18% | 3.88% | 1.03% | 63,060 |
| Q1 2025 | $827.7M | $714.7M | $594.9M | $84.0M | $373K | 0.18% | 3.83% | 1.18% | 63,082 |
| Q4 2024 | $808.5M | $694.0M | $598.9M | $86.0M | $3.7M | 0.46% | 3.82% | 1.09% | 62,844 |
| Q3 2024 | $830.3M | $697.8M | $602.7M | $85.9M | $2.3M | 0.38% | 3.68% | 0.89% | 62,976 |
| Q2 2024 | $821.7M | $682.6M | $578.8M | $84.6M | $1.1M | 0.27% | 3.64% |
| Ratio | Azura Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.62% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 62,343 |
Loan mix (Q1 2026): real estate $163.8M · commercial $24.0M · consumer $370.7M · securities $133.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 78.3% | 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 | Azura 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 | Azura 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 | Azura 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 | Azura 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 | Azura 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.
12 branches in 3 counties across 1 state (+1 vs 2024). Biggest market: Shawnee, KS, ranked 3rd with 7.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shawnee, KS | 8 | $476.6M* | 7.62% | 3rd |
| Johnson, KS | 3 | $178.7M* | 0.63% | 30th |
| Franklin, KS | 1 | $59.6M* | 8.14% | 5th |
Kansas: 36th with 0.63% · Topeka metro: 3rd, 6.45% · Kansas City metro: 53rd, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 9 · 2023 10 · 2024 11 · 2025 12