| Metric | Skyward Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.3% | +3.9% | +21.4 pts |
| Share growth (YoY) | -4.4% | +3.3% | -7.7 pts |
| Loan growth (YoY) | -0.9% | +2.9% | -3.8 pts |
| ROA | 0.01% | 0.69% | -0.7 pts |
| ROE | 0.1% | 5.9% | -5.8 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $471.8M | $324.4M | $219.5M | $46.2M | $15K | 0.01% | 2.55% | 0.92% | 21,798 |
| Q4 2025 | $387.3M | $323.2M | $217.8M | $46.2M | $-1.6M | -0.42% | 2.84% | 1.19% | 21,671 |
| Q3 2025 | $379.2M | $326.4M | $220.9M | $47.3M | $-610K | -0.21% | 2.84% | 1.01% | 21,794 |
| Q2 2025 | $376.4M | $331.0M | $223.9M | $47.5M | $-456K | -0.24% | 2.77% | 1.44% | 21,698 |
| Q1 2025 | $376.5M | $339.4M | $221.4M | $47.7M | $-259K | -0.27% | 2.62% | 1.03% | 21,425 |
| Q4 2024 | $350.1M | $327.2M | $200.7M | $48.3M | $-9.8M | -2.79% | 2.37% | 1.21% | 21,152 |
| Q3 2024 | $399.7M | $332.5M | $199.8M | $56.7M | $-1.5M | -0.49% | 2.03% | 1.09% | 21,108 |
| Q2 2024 | $394.1M | $331.5M | $195.2M | $57.4M | $-841K | -0.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Skyward Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.69% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.08% |
| 0.72% |
| 20,823 |
Loan mix (Q1 2026): real estate $76.5M · commercial $7.2M · consumer $127.1M · securities $221.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.1% | 78.7% | 89th |
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 | Skyward 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 | Skyward 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 | Skyward 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 | Skyward 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.