| Metric | Skel-Tex Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.6% | +0.7% | +4.0 pts |
| Loan growth (YoY) | -16.0% | -2.4% | -13.6 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.2M | $4.9M | $2.7M | $1.3M | $5K | 0.33% | 3.20% | 0.70% | 544 |
| Q4 2025 | $6.2M | $4.9M | $3.0M | $1.3M | $56K | 0.90% | 3.24% | 0.73% | 544 |
| Q3 2025 | $6.0M | $4.7M | $3.2M | $1.3M | $38K | 0.85% | 3.30% | 1.23% | 543 |
| Q2 2025 | $6.0M | $4.7M | $3.0M | $1.3M | $18K | 0.59% | 3.24% | 1.91% | 543 |
| Q1 2025 | $5.9M | $4.7M | $3.2M | $1.3M | $7K | 0.47% | 3.17% | 1.52% | 547 |
| Q4 2024 | $5.8M | $4.6M | $3.2M | $1.3M | $4K | 0.07% | 2.78% | 1.56% | 547 |
| Q3 2024 | $5.8M | $4.5M | $3.2M | $1.2M | $-3K | -0.07% | 2.70% | 1.70% | 547 |
| Q2 2024 | $5.9M | $4.6M | $3.2M | $1.2M | $-4 | -0.00% | 2.57% | 0.59% | 547 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $2.8M
| Ratio | Skel-Tex Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 81.5% | 71th |
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 | Skel-Tex 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 | Skel-Tex 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 | Skel-Tex 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 | Skel-Tex 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% |
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