| Metric | Salal Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +5.1% | -6.6 pts |
| Share growth (YoY) | -2.6% | +4.9% | -7.5 pts |
| Loan growth (YoY) | +3.0% | +5.4% | -2.4 pts |
| ROA | 0.40% | 0.71% | -0.3 pts |
| ROE | 4.4% | 6.3% | -1.8 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.16B | $1.03B | $949.7M | $104.6M | $1.2M | 0.40% | 3.84% | 0.69% | 62,925 |
| Q4 2025 | $1.16B | $1.00B | $947.5M | $104.3M | $2.3M | 0.20% | 3.52% | 0.83% | 62,355 |
| Q3 2025 | $1.15B | $1.02B | $928.5M | $102.6M | $624K | 0.07% | 3.48% | 0.57% | 61,552 |
| Q2 2025 | $1.16B | $1.04B | $926.7M | $102.2M | $222K | 0.04% | 3.38% | 0.66% | 60,869 |
| Q1 2025 | $1.18B | $1.05B | $921.9M | $101.8M | $-209K | -0.07% | 3.29% | 0.42% | 60,145 |
| Q4 2024 | $1.18B | $1.04B | $932.3M | $102.0M | $1.5M | 0.13% | 3.03% | 0.37% | 59,679 |
| Q3 2024 | $1.15B | $1.01B | $929.1M | $101.3M | $817K | 0.09% | 3.06% | 0.32% | 58,881 |
| Q2 2024 | $1.16B | $1.01B | $931.9M | $100.8M | $279K | 0.05% | 3.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Salal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.71% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 6.3% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 58,349 |
Loan mix (Q1 2026): real estate $456.0M · commercial $87.9M · consumer $87.8M · securities $127.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 73.0% | 80th |
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 | Salal 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 | Salal 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 | Salal 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 | Salal 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.