| Metric | Siskiyou Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.1% | -3.2 pts |
| Share growth (YoY) | +0.3% | +3.5% | -3.3 pts |
| Loan growth (YoY) | +7.9% | +2.9% | +5.0 pts |
| ROA | 1.19% | 0.74% | +0.5 pts |
| ROE | 12.3% | 6.5% | +5.8 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $144.3M | $133.6M | $109.1M | $13.9M | $857K | 1.19% | 5.37% | 1.19% | 11,788 |
| Q1 2026 | $144.7M | $134.0M | $110.3M | $13.5M | $384K | 1.06% | 5.32% | 0.92% | 11,788 |
| Q4 2025 | $145.7M | $135.2M | $108.7M | $13.2M | $1.4M | 0.97% | 4.50% | 0.79% | 11,567 |
| Q3 2025 | $145.2M | $134.7M | $106.6M | $12.9M | $998K | 0.92% | 4.27% | 0.68% | 11,371 |
| Q2 2025 | $143.0M | $133.2M | $101.2M | $12.7M | $822K | 1.15% | 3.97% | 0.88% | 11,132 |
| Q1 2025 | $142.1M | $132.0M | $98.1M | $12.3M | $433K | 1.22% | 3.21% | 0.68% | 10,971 |
| Q4 2024 | $146.6M | $127.6M | $100.0M | $11.8M | $863K | 0.59% | 4.13% | 0.98% | 10,870 |
| Q3 2024 | $150.1M | $130.2M | $101.7M | $11.6M | $407K | 0.36% | 3.91% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Siskiyou Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.74% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 6.5% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.37% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.02% |
| 10,752 |
| Q2 2024 | $145.3M | $126.5M | $101.8M | $11.4M | $287K | 0.40% | 3.87% | 1.11% | 10,623 |
Loan mix (Q2 2026): real estate $10.5M · commercial $0 · consumer $95.2M · securities $20.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 77.5% | 21st |
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 | Siskiyou 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 | Siskiyou Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Siskiyou 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 | Siskiyou 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 | Siskiyou 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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Siskiyou, CA, ranked 5th with 11.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Siskiyou, CA | 2 | $133.6M* | 10.97% | 5th |
California: 291st with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2