| Metric | S E C U Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -10.4% | +0.7% | -11.1 pts |
| Loan growth (YoY) | -6.9% | -2.4% | -4.6 pts |
| ROA | 2.29% | 0.60% | +1.7 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.7M | $1.1M | $1.1M | $628K | $10K | 2.29% | 5.71% | 3.99% | 726 |
| Q4 2025 | $1.8M | $1.1M | $1.1M | $618K | $48K | 2.74% | 6.21% | 2.62% | 722 |
| Q3 2025 | $1.9M | $1.3M | $1.1M | $606K | $36K | 2.50% | 5.66% | 3.21% | 721 |
| Q2 2025 | $1.9M | $1.3M | $1.1M | $590K | $20K | 2.08% | 5.31% | 1.90% | 721 |
| Q1 2025 | $1.8M | $1.2M | $1.1M | $577K | $7K | 1.62% | 5.30% | 0.12% | 719 |
| Q4 2024 | $1.7M | $1.1M | $1.1M | $570K | $42K | 2.52% | 6.14% | 0.14% | 720 |
| Q3 2024 | $1.8M | $1.3M | $1.1M | $562K | $34K | 2.49% | 5.77% | 0.41% | 729 |
| Q2 2024 | $1.8M | $1.3M | $1.1M | $550K | $22K | 2.42% | 5.22% | 0.89% | 726 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $176K
| Ratio | S E C U Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 81.5% | 13th |
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 | S E C U 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 | S E C U 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 | S E C U 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 | S E C U 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.