| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.8% | +3.4 pts |
| Share growth (YoY) | +7.9% | +4.3% | +3.6 pts |
| Loan growth (YoY) | +7.6% | +4.3% | +3.3 pts |
| ROA | 1.48% | 0.62% | +0.9 pts |
| ROE | 10.0% | 5.9% | +4.1 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $851.9M | $719.0M | $453.9M | $125.9M | $3.2M | 1.48% | 2.89% | 0.10% | 31,124 |
| Q4 2025 | $837.8M | $707.1M | $444.3M | $122.7M | $11.7M | 1.40% | 2.68% | 0.06% | 30,610 |
| Q3 2025 | $817.2M | $689.7M | $439.9M | $119.4M | $8.4M | 1.38% | 2.70% | 0.04% | 30,109 |
| Q2 2025 | $796.3M | $671.6M | $435.1M | $116.5M | $5.3M | 1.34% | 2.71% | 0.04% | 29,402 |
| Q1 2025 | $787.8M | $666.2M | $421.7M | $113.7M | $2.5M | 1.26% | 2.67% | 0.07% | 29,197 |
| Q4 2024 | $760.2M | $641.5M | $420.4M | $111.2M | $9.5M | 1.25% | 2.56% | 0.15% | 28,838 |
| Q3 2024 | $835.3M | $626.2M | $417.0M | $109.2M | $7.5M | 1.19% | 2.31% | 0.07% | 28,398 |
| Q2 2024 | $826.0M | $620.8M | $410.9M | $105.9M | $4.0M | 0.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Sacramento Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.62% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.30% |
| 0.06% |
| 28,040 |
Loan mix (Q1 2026): real estate $241.3M · commercial $18.7M · consumer $191.4M · securities $298.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 78.3% | 7th |
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 | Sacramento 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 | Sacramento 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 | Sacramento 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 | Sacramento 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.