Signet Federal Credit Union
Total assets
$389.6M
▲ +5.3% YoY
Shares & deposits
$323.3M
▲ +5.8% YoY
Loans
$224.1M
▲ +7.3% YoY
Members
20,688
▲ +2.3% YoY
ROA (annualized)
1.17%
peers 0.69%
ROE (annualized)
7.01%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.9% | +1.4 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | +7.3% | +2.9% | +4.4 pts |
| ROA | 1.17% | 0.69% | +0.5 pts |
| ROE | 7.0% | 5.9% | +1.1 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
Profile
- Established
- 1982
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 426, Paducah, KY, 42002
- NCUA charter #
- 23949
- RSSD ID
- 97699
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $389.6M | $323.3M | $224.1M | $65.2M | $1.1M | 1.17% | 3.13% | 1.07% | 20,688 |
| Q4 2025 | $374.8M | $309.5M | $222.7M | $64.0M | $3.1M | 0.82% | 2.76% | 0.99% | 22,732 |
| Q3 2025 | $367.8M | $302.2M | $219.1M | $63.2M | $2.3M | 0.83% | 2.82% | 0.87% | 22,601 |
| Q2 2025 | $374.8M | $309.7M | $215.0M | $62.6M | $1.7M | 0.88% | 2.84% | 1.00% | 20,452 |
| Q1 2025 | $369.9M | $305.6M | $208.8M | $61.8M | $869K | 0.94% | 3.09% | 0.79% | 20,214 |
| Q4 2024 | $357.5M | $295.7M | $205.5M | $60.9M | $3.2M | 0.89% | 2.52% | 0.77% | 20,037 |
| Q3 2024 | $354.7M | $292.7M | $205.2M | $60.2M | $2.4M | 0.92% | 2.53% | 0.68% | 19,914 |
| Q2 2024 | $349.1M | $289.7M | $203.6M | $59.1M | $1.4M | 0.79% | 2.38% | 0.61% | 20,088 |
Loan mix (Q1 2026): real estate $86.7M · commercial $1.4M · consumer $124.4M · securities $106.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.62% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 78.7% | 13th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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