| Metric | Scott Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.1% | -1.6 pts |
| Share growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Loan growth (YoY) | +9.0% | +5.4% | +3.5 pts |
| ROA | 1.12% | 0.71% | +0.4 pts |
| ROE | 11.4% | 6.3% | +5.1 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.84B | $1.64B | $1.21B | $182.4M | $5.2M | 1.12% | 3.77% | 0.75% | 131,552 |
| Q4 2025 | $1.81B | $1.61B | $1.18B | $177.3M | $11.3M | 0.63% | 3.76% | 1.04% | 132,358 |
| Q3 2025 | $1.77B | $1.57B | $1.15B | $176.7M | $10.2M | 0.76% | 3.89% | 0.93% | 134,916 |
| Q2 2025 | $1.80B | $1.61B | $1.11B | $171.7M | $5.1M | 0.57% | 3.77% | 0.96% | 136,811 |
| Q1 2025 | $1.78B | $1.60B | $1.11B | $167.1M | $514K | 0.12% | 3.71% | 1.18% | 138,801 |
| Q4 2024 | $1.75B | $1.57B | $1.14B | $166.6M | $6.7M | 0.39% | 3.69% | 1.25% | 140,794 |
| Q3 2024 | $1.72B | $1.54B | $1.17B | $168.2M | $7.7M | 0.60% | 3.79% | 1.11% | 143,922 |
| Q2 2024 | $1.77B | $1.59B | $1.19B | $165.7M | $5.3M | 0.59% | 3.62% |
| Ratio | Scott Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.71% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 6.3% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.05% |
| 145,713 |
Loan mix (Q1 2026): real estate $561.4M · commercial $15.5M · consumer $577.4M · securities $203.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 73.0% | 51th |
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 | Scott 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 | Scott 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 | Scott 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 | Scott 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.