| Metric | OneAZ Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.4% | +5.1% | +21.2 pts |
| Share growth (YoY) | +25.5% | +4.9% | +20.6 pts |
| Loan growth (YoY) | +25.1% | +5.4% | +19.7 pts |
| ROA | 1.29% | 0.71% | +0.6 pts |
| ROE | 13.5% | 6.3% | +7.2 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.49B | $3.98B | $3.03B | $430.2M | $14.5M | 1.29% | 3.61% | 0.55% | 237,714 |
| Q4 2025 | $4.30B | $3.82B | $3.02B | $415.7M | $28.9M | 0.67% | 3.12% | 0.31% | 234,706 |
| Q3 2025 | $3.65B | $3.24B | $2.65B | $349.2M | $23.2M | 0.85% | 3.55% | 0.27% | 215,912 |
| Q2 2025 | $3.60B | $3.21B | $2.53B | $344.1M | $18.1M | 1.00% | 3.51% | 0.28% | 211,140 |
| Q1 2025 | $3.55B | $3.17B | $2.42B | $333.1M | $7.1M | 0.79% | 3.43% | 0.89% | 205,714 |
| Q4 2024 | $3.40B | $3.03B | $2.35B | $326.0M | $32.4M | 0.95% | 3.50% | 0.28% | 200,076 |
| Q3 2024 | $3.36B | $2.99B | $2.27B | $322.9M | $25.0M | 0.99% | 3.49% | 0.21% | 199,112 |
| Q2 2024 | $3.32B | $2.98B | $2.21B | $313.0M | $15.0M | 0.91% | 3.39% |
| Ratio | OneAZ Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.71% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 6.3% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.91% |
| 195,078 |
Loan mix (Q1 2026): real estate $1.29B · commercial $844.6M · consumer $844.7M · securities $704.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 73.0% | 21th |
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 | OneAZ 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 | OneAZ 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 | OneAZ 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 | OneAZ 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.