| Metric | Security Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.8% | -0.8 pts |
| Share growth (YoY) | +4.0% | +4.3% | -0.3 pts |
| Loan growth (YoY) | -0.8% | +4.3% | -5.1 pts |
| ROA | 0.28% | 0.62% | -0.3 pts |
| ROE | 2.8% | 5.9% | -3.1 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 | $651.8M | $582.4M | $496.3M | $63.4M | $451K | 0.28% | 4.63% | 0.86% | 53,803 |
| Q4 2025 | $638.0M | $570.0M | $505.5M | $63.7M | $493K | 0.08% | 4.63% | 1.18% | 53,733 |
| Q3 2025 | $628.5M | $559.5M | $509.4M | $64.0M | $842K | 0.18% | 4.65% | 1.95% | 53,663 |
| Q2 2025 | $633.5M | $565.2M | $501.7M | $63.7M | $504K | 0.16% | 4.56% | 1.98% | 53,205 |
| Q1 2025 | $626.7M | $560.0M | $500.0M | $63.5M | $344K | 0.22% | 4.51% | 1.66% | 53,220 |
| Q4 2024 | $638.1M | $548.3M | $504.3M | $64.0M | $3.3M | 0.52% | 4.20% | 1.29% | 52,974 |
| Q3 2024 | $639.8M | $540.8M | $495.2M | $62.7M | $2.0M | 0.42% | 4.13% | 1.16% | 52,618 |
| Q2 2024 | $630.0M | $547.1M | $484.3M | $62.1M | $1.5M | 0.46% | 4.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Security Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.62% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.11% |
| 52,842 |
Loan mix (Q1 2026): real estate $95.7M · commercial $96.3M · consumer $249.2M · securities $63.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 78.3% | 65th |
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 | Security 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 | Security 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 | Security 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 | Security 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.