| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +3.9% | +5.1 pts |
| Share growth (YoY) | +8.7% | +3.3% | +5.4 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.6 pts |
| ROA | 2.00% | 0.69% | +1.3 pts |
| ROE | 18.1% | 5.9% | +12.1 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $186.0M | $162.4M | $147.7M | $20.5M | $929K | 2.00% | 3.54% | 1.09% | 7,258 |
| Q4 2025 | $184.0M | $161.0M | $148.7M | $19.6M | $2.0M | 1.10% | 2.51% | 1.38% | 7,258 |
| Q3 2025 | $179.0M | $156.9M | $147.6M | $19.0M | $1.4M | 1.05% | 2.50% | 1.35% | 7,282 |
| Q2 2025 | $175.3M | $153.6M | $142.0M | $18.6M | $968K | 1.10% | 2.48% | 1.18% | 7,240 |
| Q1 2025 | $170.5M | $149.4M | $137.3M | $18.0M | $367K | 0.86% | 2.45% | 1.15% | 7,181 |
| Q4 2024 | $167.2M | $146.4M | $136.0M | $17.6M | $1.6M | 0.97% | 2.33% | 1.20% | 7,184 |
| Q3 2024 | $163.7M | $143.8M | $133.7M | $17.1M | $1.1M | 0.91% | 2.31% | 0.92% | 7,185 |
| Q2 2024 | $156.4M | $137.2M | $134.3M | $16.7M | $759K | 0.97% | 2.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Sjp Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.39% |
| 7,129 |
Loan mix (Q1 2026): real estate $75.6M · commercial $11.1M · consumer $16.4M · securities $797K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.3% | 78.7% | 1th |
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 | Sjp Federal 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 | Sjp Federal 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 | Sjp Federal 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 | Sjp Federal 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.