| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +2.7% | +0.9% | +1.8 pts |
| Loan growth (YoY) | -12.1% | -2.6% | -9.5 pts |
| ROA | 1.34% | 0.65% | +0.7 pts |
| ROE | 6.8% | 4.4% | +2.4 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.4M | $14.2M | $6.9M | $3.4M | $116K | 1.34% | 3.63% | 0.09% | 1,620 |
| Q1 2026 | $17.2M | $14.0M | $7.1M | $3.4M | $55K | 1.29% | 3.63% | 0.11% | 1,647 |
| Q4 2025 | $16.8M | $13.6M | $7.3M | $3.3M | $237K | 1.41% | 3.88% | 0.34% | 1,653 |
| Q3 2025 | $16.6M | $13.5M | $7.8M | $3.3M | $178K | 1.42% | 3.92% | 0.09% | 1,667 |
| Q2 2025 | $16.8M | $13.8M | $7.9M | $3.2M | $116K | 1.38% | 3.86% | 0.06% | 1,671 |
| Q1 2025 | $16.5M | $13.5M | $8.0M | $3.1M | $57K | 1.37% | 3.87% | 0.39% | 1,686 |
| Q4 2024 | $16.4M | $13.5M | $8.1M | $3.1M | $257K | 1.56% | 3.96% | 0.41% | 1,711 |
| Q3 2024 | $16.4M | $13.6M | $8.2M | $3.0M | $194K | 1.57% | 3.98% | 0.67% |
| Ratio | Sca Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,711 |
| Q2 2024 | $16.2M | $13.4M | $8.1M | $2.9M | $126K | 1.56% | 3.97% | 0.71% | 1,724 |
Loan mix (Q2 2026): real estate $1.5M · commercial $68K · consumer $5.1M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 80.6% | 24th |
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 | Sca Federal 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 | Sca Federal 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 | Sca Federal 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 | Sca Federal 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 | Sca Federal 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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Allen, IN, ranked 44th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, IN | 2 | $9.4M* | 0.07% | 44th |
| Lawrence, PA | 1 | $4.7M* | 0.21% | 11th |
Indiana: 257th with 0.00% · Pennsylvania: 401st with 0.00% · Fort Wayne metro: 48th, 0.06% · Pittsburgh metro: 131st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 3 · 2026 3