Avestar
Waterloo, WI · Charter 66537 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$68.2MAssets
$54.2MLoans
$59.6MShares
$8.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 78% of credit unions under $1B in assets (rank 367 of 1683).
- Widest gap: nonperforming loans / loans trails 76% of credit unions under $1B in assets (rank 1284 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.53%
Rank 1,096 of 1,683
Net Interest Margin
4.43%
Rank 367 of 1,683
Efficiency Ratio
82.44%
Rank 1,057 of 1,682
Equity / Assets
11.90%
Rank 1,011 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,096 / 1,683 | | |
| Return on Equity | 4.44% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,030 / 1,681 | | |
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 367 / 1,683 | | |
| Efficiency Ratio | 82.44% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,057 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,284 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.90% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,011 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.90% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,011 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.91% | 52.61% | 69.38% | 83.50% | 88th pctl | 209 / 1,683 | | |
| Loans / Assets | 79.42% | 44.71% | 59.18% | 70.72% | 91st pctl | 151 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |