| Metric | Slo Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -14.1% | -2.4% | -11.7 pts |
| ROA | -0.68% | 0.60% | -1.3 pts |
| ROE | -4.8% | 4.1% | -8.9 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.7M | $25.9M | $15.1M | $4.2M | $-51K | -0.68% | 3.05% | 0.74% | 1,315 |
| Q4 2025 | $29.5M | $25.6M | $15.5M | $4.3M | $-883K | -2.99% | 3.07% | 0.39% | 1,354 |
| Q3 2025 | $30.1M | $25.5M | $16.6M | $5.1M | $-122K | -0.54% | 3.04% | 3.96% | 1,463 |
| Q2 2025 | $31.1M | $26.6M | $18.4M | $5.1M | $-94K | -0.60% | 2.96% | 3.73% | 1,537 |
| Q1 2025 | $31.6M | $27.2M | $17.5M | $5.2M | $-25K | -0.31% | 3.02% | 4.05% | 1,577 |
| Q4 2024 | $33.1M | $28.8M | $17.8M | $5.2M | $-279K | -0.84% | 2.99% | 3.84% | 1,565 |
| Q3 2024 | $32.5M | $28.0M | $18.0M | $5.3M | $-179K | -0.73% | 3.10% | 3.89% | 1,624 |
| Q2 2024 | $33.4M | $29.2M | $18.2M | $5.4M | $-142K | -0.85% | 3.06% | 4.10% |
| Ratio | Slo Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.68% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -4.8% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,614 |
Loan mix (Q1 2026): real estate $9.5M · commercial $0 · consumer $4.9M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 124.5% | 81.5% | 95th |
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 | Slo 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 | Slo 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 | Slo 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 | Slo 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.