| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -2.3% | +0.7% | -3.0 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.6 pts |
| ROA | 1.20% | 0.60% | +0.6 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72.8M | $61.0M | $36.2M | $11.6M | $219K | 1.20% | 4.26% | 0.33% | 4,705 |
| Q4 2025 | $71.1M | $59.3M | $37.1M | $11.4M | $1.5M | 2.05% | 4.46% | 0.35% | 4,705 |
| Q3 2025 | $71.4M | $60.1M | $36.8M | $11.1M | $1.1M | 2.10% | 4.42% | 0.17% | 4,685 |
| Q2 2025 | $72.6M | $61.9M | $37.4M | $10.7M | $735K | 2.03% | 4.33% | 0.35% | 4,667 |
| Q1 2025 | $72.8M | $62.5M | $38.5M | $10.2M | $231K | 1.27% | 4.14% | 0.83% | 4,727 |
| Q4 2024 | $72.5M | $61.9M | $39.6M | $9.9M | $1.1M | 1.58% | 4.01% | 0.32% | 4,722 |
| Q3 2024 | $73.7M | $63.2M | $39.0M | $9.8M | $944K | 1.71% | 3.88% | 0.27% | 5,112 |
| Q2 2024 | $73.3M | $63.6M | $39.0M | $9.5M | $668K | 1.82% | 3.87% | 0.21% |
| Ratio | Service 1St Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,119 |
Loan mix (Q1 2026): real estate $8.0M · commercial $245K · consumer $24.6M · securities $28.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 81.5% | 21th |
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 | Service 1St 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 | Service 1St 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 | Service 1St 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 | Service 1St 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.