Arcade
Asheville, NC · Charter 62114 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$7.8MAssets
$3.7MLoans
$6.7MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 64% of credit unions under $1B in assets (rank 607 of 1683).
- Widest gap: efficiency ratio trails 76% of credit unions under $1B in assets (rank 1279 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.56%
Rank 1,058 of 1,683
Net Interest Margin
3.90%
Rank 762 of 1,683
Efficiency Ratio
87.36%
Rank 1,279 of 1,682
Equity / Assets
14.42%
Rank 607 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,058 / 1,683 | |
| Return on Equity | 3.89% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,108 / 1,681 | |
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 55% | 762 / 1,683 | |
| Efficiency Ratio | 87.36% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,279 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 884 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.42% | 10.44% | 12.89% | 16.53% | Beats 64% | 607 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.42% | 10.44% | 12.89% | 16.53% | Beats 64% | 607 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 54.84% | 52.61% | 69.38% | 83.50% | 28th pctl | 1,216 / 1,683 | |
| Loans / Assets | 46.70% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,207 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |