| Metric | Siue Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +3.3% | +0.7% | +2.7 pts |
| Loan growth (YoY) | +7.4% | -2.4% | +9.8 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.0M | $26.7M | $12.0M | $3.2M | $42K | 0.56% | 4.08% | 0.30% | 1,633 |
| Q4 2025 | $29.5M | $26.2M | $11.8M | $3.1M | $338K | 1.15% | 4.11% | 0.79% | 1,656 |
| Q3 2025 | $29.3M | $26.1M | $11.8M | $3.1M | $247K | 1.12% | 4.10% | 0.21% | 1,656 |
| Q2 2025 | $29.2M | $26.1M | $11.3M | $3.0M | $170K | 1.17% | 4.04% | 0.24% | 1,656 |
| Q1 2025 | $28.8M | $25.8M | $11.2M | $2.9M | $84K | 1.16% | 3.95% | 0.66% | 1,676 |
| Q4 2024 | $28.3M | $25.5M | $11.4M | $2.8M | $279K | 0.98% | 3.96% | 0.79% | 1,686 |
| Q3 2024 | $27.0M | $24.2M | $11.7M | $2.7M | $216K | 1.07% | 4.17% | 0.94% | 1,702 |
| Q2 2024 | $27.5M | $24.6M | $11.8M | $2.7M | $148K | 1.07% | 4.11% | 1.12% |
| Ratio | Siue Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,718 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $9.6M · securities $12.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 81.5% | 57th |
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 | Siue 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 | Siue 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 | Siue 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 | Siue 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.