| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.0 pts |
| Loan growth (YoY) | -0.5% | -2.4% | +1.8 pts |
| ROA | -0.03% | 0.60% | -0.6 pts |
| ROE | -0.4% | 4.1% | -4.5 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.7M | $31.0M | $28.4M | $2.7M | $-3K | -0.03% | 3.76% | 1.92% | 3,138 |
| Q4 2025 | $33.5M | $30.8M | $28.5M | $2.7M | $-58K | -0.17% | 3.75% | 1.55% | 3,162 |
| Q3 2025 | $32.9M | $29.9M | $28.6M | $2.9M | $111K | 0.45% | 3.82% | 1.05% | 3,166 |
| Q2 2025 | $32.9M | $30.0M | $28.9M | $2.9M | $103K | 0.63% | 3.72% | 2.37% | 3,174 |
| Q1 2025 | $33.0M | $30.2M | $28.5M | $2.9M | $61K | 0.74% | 3.64% | 3.55% | 3,174 |
| Q4 2024 | $32.4M | $28.4M | $28.6M | $2.8M | $3K | 0.01% | 3.67% | 1.44% | 3,194 |
| Q3 2024 | $31.8M | $28.9M | $28.1M | $2.9M | $65K | 0.27% | 3.73% | 0.82% | 3,208 |
| Q2 2024 | $31.9M | $28.8M | $28.6M | $2.8M | $42K | 0.26% | 3.72% | 0.76% |
| Ratio | Sei Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,218 |
Loan mix (Q1 2026): real estate $14.3M · commercial $0 · consumer $12.2M · securities $9K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.3% | 81.5% | 73th |
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 | Sei 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 | Sei 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 | Sei 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 | Sei 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.