| Metric | SAFE Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +5.1% | -4.8 pts |
| Share growth (YoY) | -1.1% | +4.9% | -5.9 pts |
| Loan growth (YoY) | +3.0% | +5.4% | -2.5 pts |
| ROA | 0.93% | 0.71% | +0.2 pts |
| ROE | 8.8% | 6.3% | +2.5 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.45B | $3.99B | $3.19B | $466.8M | $10.3M | 0.93% | 2.86% | 0.42% | 246,385 |
| Q4 2025 | $4.40B | $3.95B | $3.15B | $456.5M | $28.5M | 0.65% | 2.64% | 0.54% | 245,905 |
| Q3 2025 | $4.38B | $3.93B | $3.08B | $452.7M | $21.3M | 0.65% | 2.59% | 0.42% | 244,211 |
| Q2 2025 | $4.40B | $3.97B | $3.07B | $446.6M | $15.2M | 0.69% | 2.50% | 0.49% | 243,745 |
| Q1 2025 | $4.44B | $4.03B | $3.09B | $437.9M | $6.5M | 0.58% | 2.41% | 0.30% | 243,877 |
| Q4 2024 | $4.32B | $3.92B | $3.14B | $431.4M | $24.6M | 0.57% | 2.38% | 0.42% | 233,656 |
| Q3 2024 | $4.64B | $3.91B | $3.22B | $427.5M | $17.1M | 0.49% | 2.20% | 0.47% | 234,333 |
| Q2 2024 | $4.64B | $3.92B | $3.26B | $423.3M | $13.4M | 0.58% | 2.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | SAFE Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.71% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 6.3% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 234,333 |
Loan mix (Q1 2026): real estate $1.79B · commercial $381.3M · consumer $1.01B · securities $589.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 73.0% | 48th |
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 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 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 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 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.