| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +3.9% | -6.1 pts |
| Share growth (YoY) | -3.6% | +3.3% | -6.9 pts |
| Loan growth (YoY) | -1.0% | +2.9% | -3.9 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $368.2M | $325.6M | $234.9M | $42.1M | $655K | 0.71% | 3.47% | 0.74% | 20,680 |
| Q4 2025 | $362.9M | $320.2M | $235.7M | $41.4M | $1.9M | 0.53% | 3.46% | 0.86% | 21,310 |
| Q3 2025 | $366.3M | $325.6M | $240.9M | $40.7M | $1.2M | 0.44% | 3.41% | 0.78% | 24,824 |
| Q2 2025 | $364.4M | $325.3M | $238.4M | $40.2M | $649K | 0.36% | 3.37% | 1.12% | 25,440 |
| Q1 2025 | $376.3M | $337.7M | $237.3M | $39.8M | $284K | 0.30% | 3.22% | 0.63% | 25,995 |
| Q4 2024 | $379.6M | $342.6M | $237.1M | $39.6M | $291K | 0.08% | 2.87% | 0.75% | 26,172 |
| Q3 2024 | $379.4M | $342.7M | $235.0M | $39.1M | $-171K | -0.06% | 2.82% | 0.74% | 26,317 |
| Q2 2024 | $385.1M | $349.9M | $237.4M | $39.1M | $-186K | -0.10% | 2.65% |
| Ratio | Sharepoint Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 26,588 |
Loan mix (Q1 2026): real estate $137.5M · commercial $14.8M · consumer $64.8M · securities $92.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 78.7% | 63th |
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 | Sharepoint 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 | Sharepoint 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 | Sharepoint 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 | Sharepoint 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.