| Metric | Sharefax Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.0% | +4.8% | +34.2 pts |
| Share growth (YoY) | +38.4% | +4.3% | +34.1 pts |
| Loan growth (YoY) | +40.9% | +4.3% | +36.5 pts |
| ROA | 0.42% | 0.62% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $726.4M | $650.1M | $503.3M | $69.4M | $760K | 0.42% | 2.76% | 0.87% | 42,151 |
| Q4 2025 | $722.0M | $646.2M | $508.3M | $68.7M | $2.8M | 0.38% | 2.01% | 0.61% | 42,016 |
| Q3 2025 | $513.8M | $459.2M | $365.9M | $52.0M | $1.5M | 0.38% | 2.47% | 0.60% | 29,751 |
| Q2 2025 | $523.6M | $469.3M | $361.3M | $51.4M | $885K | 0.34% | 2.33% | 0.57% | 32,342 |
| Q1 2025 | $522.7M | $469.8M | $357.3M | $50.6M | $92K | 0.07% | 2.23% | 0.64% | 32,163 |
| Q4 2024 | $507.3M | $454.4M | $356.5M | $50.5M | $1.1M | 0.22% | 1.94% | 0.45% | 31,674 |
| Q3 2024 | $501.4M | $452.1M | $350.9M | $49.9M | $337K | 0.09% | 1.89% | 0.38% | 31,458 |
| Q2 2024 | $503.0M | $454.2M | $353.8M | $49.6M | $77K | 0.03% | 1.81% |
| Ratio | Sharefax Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.62% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 31,099 |
Loan mix (Q1 2026): real estate $228.1M · commercial $22.2M · consumer $238.4M · securities $101.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 78.3% | 60th |
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 | Sharefax 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 | Sharefax 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 | Sharefax 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 | Sharefax 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.