| Sentinel Federal Credit Union | Peer median · credit unions 100M-500M | |
|---|---|---|
| Profile | ||
| Type | Credit Union · FCU | |
| Established | 1955 | |
| Latest report | Q1 2026 | |
| Size | ||
| Total assets | $197.0M | |
| Shares & deposits | $174.2M | |
| Loans | $126.2M | |
| Members | 9,857 | |
| Growth (year over year) | ||
| Assets | +2.3% | — |
| Shares & deposits | +1.6% | — |
| Loans | +16.9% | — |
| Members | +3.1% | — |
| Profitability | ||
Return on assets Annualized net income ÷ assets | 0.56% | 0.69% |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.62% |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 78.7% |
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% |
| Balance sheet | ||
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% |
| Capital | ||
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Credit quality | ||
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% |
| Franchise | ||
Loans per member Member borrowing depth | 00.0% | 00.0% |
Deposits per member Member relationship depth | 00.0% | 00.0% |
Cost of funds, capital, charge-offs, CRE concentration and more are part of CharterBench Pro.
Growth and ratio rows highlight the strongest value in green. Ratios use each institution’s latest call report; peer median is the first institution’s asset band and charter type.