| Metric | San Juan Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +2.9% | +0.7% | +2.2 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.3 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.1M | $26.8M | $18.3M | $4.1M | $25K | 0.32% | 5.92% | 1.45% | 4,808 |
| Q4 2025 | $29.2M | $25.0M | $18.2M | $4.1M | $269K | 0.92% | 6.68% | 2.24% | 4,050 |
| Q3 2025 | $29.5M | $25.3M | $18.9M | $4.0M | $224K | 1.01% | 6.70% | 2.44% | 4,088 |
| Q2 2025 | $29.4M | $25.3M | $19.6M | $4.0M | $158K | 1.07% | 6.76% | 1.96% | 4,125 |
| Q1 2025 | $30.1M | $26.1M | $19.0M | $3.9M | $80K | 1.07% | 6.60% | 2.22% | 4,154 |
| Q4 2024 | $28.9M | $25.0M | $18.1M | $3.8M | $97K | 0.34% | 6.83% | 2.92% | 4,141 |
| Q3 2024 | $29.9M | $26.0M | $18.8M | $3.8M | $88K | 0.39% | 6.54% | 2.01% | 4,192 |
| Q2 2024 | $28.3M | $24.4M | $19.1M | $3.8M | $36K | 0.25% | 6.80% | 1.67% |
| Ratio | San Juan Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,217 |
Loan mix (Q1 2026): real estate $27K · commercial $0 · consumer $16.2M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 81.5% | 59th |
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 | San Juan 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 | San Juan 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 | San Juan 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 | San Juan 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% |
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