| Metric | Serve Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.9% | -1.8 pts |
| Share growth (YoY) | +0.9% | +3.3% | -2.4 pts |
| Loan growth (YoY) | -2.2% | +2.9% | -5.2 pts |
| ROA | 1.13% | 0.69% | +0.4 pts |
| ROE | 6.4% | 5.9% | +0.4 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $100.9M | $82.3M | $72.2M | $17.9M | $284K | 1.13% | 3.98% | 0.84% | 4,977 |
| Q4 2025 | $98.5M | $80.3M | $73.2M | $17.6M | $1.4M | 1.40% | 4.07% | 0.95% | 4,981 |
| Q3 2025 | $97.8M | $79.8M | $74.0M | $17.3M | $1.1M | 1.47% | 4.07% | 0.69% | 5,005 |
| Q2 2025 | $99.2M | $81.7M | $74.6M | $16.9M | $707K | 1.43% | 3.95% | 0.90% | 5,024 |
| Q1 2025 | $98.8M | $81.6M | $73.8M | $16.5M | $275K | 1.12% | 3.91% | 0.52% | 5,021 |
| Q4 2024 | $96.9M | $79.9M | $75.8M | $16.2M | $1.4M | 1.40% | 3.80% | 0.41% | 5,058 |
| Q3 2024 | $98.0M | $81.2M | $76.9M | $16.0M | $1.1M | 1.52% | 3.71% | 0.31% | 5,105 |
| Q2 2024 | $101.1M | $84.3M | $78.1M | $15.6M | $761K | 1.50% | 3.51% | 0.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Serve Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,126 |
Loan mix (Q1 2026): real estate $37.7M · commercial $350K · consumer $27.4M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 78.7% | 30th |
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 | Serve 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 | Serve 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 | Serve 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 | Serve 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.