| Metric | Services Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | -7.6% | -2.4% | -5.3 pts |
| ROA | 1.59% | 0.60% | +1.0 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $405K | $113K | $27K | $279K | $2K | 1.59% | 2.30% | 2.20% | 2,736 |
| Q4 2025 | $402K | $112K | $28K | $278K | $11K | 2.76% | 2.77% | 2.20% | 2,771 |
| Q3 2025 | $400K | $112K | $28K | $275K | $8K | 2.83% | 2.87% | 2.51% | 2,845 |
| Q2 2025 | $396K | $112K | $28K | $272K | $5K | 2.64% | 2.97% | 1.52% | 3,001 |
| Q1 2025 | $392K | $111K | $29K | $269K | $3K | 2.68% | 3.24% | 2.21% | 3,000 |
| Q4 2024 | $389K | $110K | $30K | $267K | $16K | 4.04% | 4.05% | 3.26% | 3,068 |
| Q3 2024 | $384K | $122K | $30K | $262K | $11K | 3.89% | 4.11% | 2.58% | 3,243 |
| Q2 2024 | $383K | $122K | $32K | $258K | $7K | 3.79% | 4.13% | 2.94% | 3,452 |
| Ratio | Services Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $27K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.9% | 81.5% | 2th |
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 | Services 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 | Services 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 | Services 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 | Services 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% |
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