| Metric | Siu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.5% | +4.8% | +6.8 pts |
| Share growth (YoY) | +11.4% | +4.3% | +7.1 pts |
| Loan growth (YoY) | +13.3% | +4.3% | +9.0 pts |
| ROA | 1.30% | 0.62% | +0.7 pts |
| ROE | 11.5% | 5.9% | +5.5 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $588.2M | $518.2M | $389.0M | $66.8M | $1.9M | 1.30% | 3.52% | 0.88% | 46,180 |
| Q4 2025 | $561.0M | $492.2M | $387.9M | $64.9M | $6.0M | 1.06% | 3.53% | 0.84% | 45,875 |
| Q3 2025 | $543.2M | $476.3M | $385.2M | $62.9M | $3.9M | 0.96% | 3.58% | 0.68% | 45,632 |
| Q2 2025 | $542.0M | $477.1M | $364.3M | $61.9M | $2.6M | 0.95% | 3.49% | 0.43% | 44,820 |
| Q1 2025 | $527.5M | $465.2M | $343.2M | $60.5M | $1.2M | 0.90% | 3.44% | 0.38% | 44,093 |
| Q4 2024 | $512.0M | $452.0M | $329.7M | $59.3M | $6.3M | 1.23% | 3.23% | 0.60% | 43,724 |
| Q3 2024 | $497.1M | $438.2M | $325.8M | $58.2M | $3.3M | 0.87% | 3.25% | 0.56% | 44,800 |
| Q2 2024 | $501.5M | $442.4M | $324.9M | $56.9M | $3.7M | 1.48% | 3.09% |
| Ratio | Siu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.62% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 44,262 |
Loan mix (Q1 2026): real estate $58.9M · commercial $24.0M · consumer $293.8M · securities $87.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 78.3% | 12th |
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 | Siu 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 | Siu 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 | Siu 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 | Siu 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.