| Metric | Sesloc Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.1% | +2.0 pts |
| Share growth (YoY) | +7.3% | +4.9% | +2.5 pts |
| Loan growth (YoY) | +5.4% | +5.4% | -0.1 pts |
| ROA | 0.40% | 0.71% | -0.3 pts |
| ROE | 4.3% | 6.3% | -1.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.25B | $1.12B | $898.4M | $116.7M | $1.3M | 0.40% | 3.85% | 0.50% | 56,359 |
| Q4 2025 | $1.22B | $1.09B | $890.6M | $115.5M | $6.7M | 0.55% | 3.66% | 0.67% | 55,815 |
| Q3 2025 | $1.19B | $1.07B | $878.5M | $113.0M | $4.2M | 0.47% | 3.66% | 0.56% | 55,640 |
| Q2 2025 | $1.18B | $1.06B | $866.9M | $110.8M | $2.1M | 0.35% | 3.58% | 0.53% | 55,249 |
| Q1 2025 | $1.17B | $1.05B | $852.5M | $110.1M | $685K | 0.23% | 3.50% | 0.43% | 54,909 |
| Q4 2024 | $1.14B | $1.02B | $849.1M | $109.4M | $5.9M | 0.52% | 3.43% | 0.46% | 54,592 |
| Q3 2024 | $1.13B | $1.01B | $845.8M | $108.0M | $4.5M | 0.54% | 3.44% | 0.42% | 57,922 |
| Q2 2024 | $1.14B | $1.00B | $851.8M | $106.5M | $3.0M | 0.53% | 3.37% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Sesloc Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.71% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 6.3% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 57,880 |
Loan mix (Q1 2026): real estate $518.1M · commercial $132.9M · consumer $227.2M · securities $154.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 73.0% | 85th |
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 | Sesloc 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 | Sesloc 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 | Sesloc 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 | Sesloc 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.