| Metric | SAFE 1 Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.1% | +1.2 pts |
| Share growth (YoY) | +7.8% | +4.9% | +2.9 pts |
| Loan growth (YoY) | +9.4% | +5.4% | +4.0 pts |
| ROA | 1.79% | 0.71% | +1.1 pts |
| ROE | 11.1% | 6.3% | +4.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.12B | $958.6M | $823.0M | $181.1M | $5.0M | 1.79% | 3.74% | 0.33% | 89,063 |
| Q4 2025 | $1.11B | $920.5M | $829.0M | $176.1M | $19.7M | 1.78% | 3.56% | 0.39% | 88,136 |
| Q3 2025 | $1.08B | $907.0M | $834.7M | $169.8M | $13.5M | 1.66% | 3.56% | 0.30% | 87,778 |
| Q2 2025 | $1.08B | $897.6M | $809.0M | $163.4M | $8.6M | 1.60% | 3.50% | 0.38% | 86,323 |
| Q1 2025 | $1.05B | $889.3M | $752.0M | $159.0M | $4.2M | 1.59% | 3.48% | 0.33% | 84,853 |
| Q4 2024 | $1.00B | $840.0M | $754.5M | $154.8M | $13.6M | 1.36% | 3.35% | 0.54% | 84,124 |
| Q3 2024 | $976.1M | $821.2M | $766.9M | $150.9M | $9.7M | 1.32% | 3.32% | 0.51% | 83,777 |
| Q2 2024 | $1.02B | $809.2M | $753.7M | $147.6M | $6.4M | 1.25% | 3.07% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | SAFE 1 Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.71% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 6.3% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 82,645 |
Loan mix (Q1 2026): real estate $176.0M · commercial $0 · consumer $643.4M · securities $60.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.5% | 73.0% | 4th |
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 | SAFE 1 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 | SAFE 1 Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | SAFE 1 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 | SAFE 1 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 | SAFE 1 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.
10 branches in 2 counties across 1 state (+1 vs 2024). Biggest market: Kern, CA, ranked 7th with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kern, CA | 8 | $718.1M* | 4.27% | 7th |
| Tulare, CA | 2 | $179.5M* | 1.95% | 13th |
California: 140th with 0.04% · Bakersfield-Delano metro: 7th, 4.27% · Visalia metro: 13th, 1.95% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 10