| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | +0.2% | -2.4% | +2.6 pts |
| ROA | 1.33% | 0.60% | +0.7 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.8M | $62.3M | $46.3M | $15.1M | $260K | 1.33% | 2.05% | 0.00% | 2,364 |
| Q4 2025 | $77.5M | $61.8M | $46.4M | $14.9M | $410K | 0.53% | 1.29% | 0.00% | 2,383 |
| Q3 2025 | $77.7M | $62.0M | $45.4M | $15.0M | $568K | 0.98% | 1.75% | 1.01% | 2,383 |
| Q2 2025 | $76.8M | $61.7M | $45.8M | $14.8M | $351K | 0.91% | 1.70% | 1.01% | 2,389 |
| Q1 2025 | $78.2M | $63.1M | $46.2M | $14.6M | $167K | 0.86% | 1.63% | 1.07% | 2,385 |
| Q4 2024 | $78.0M | $62.8M | $48.1M | $14.5M | $91K | 0.12% | 0.89% | 1.01% | 2,397 |
| Q3 2024 | $78.0M | $62.9M | $47.0M | $14.5M | $105K | 0.18% | 0.93% | 1.00% | 2,392 |
| Q2 2024 | $75.4M | $60.4M | $47.4M | $14.4M | $61K | 0.16% | 0.94% | 0.96% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Sm Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,391 |
Loan mix (Q1 2026): real estate $42.4M · commercial $0 · consumer $2.8M · securities $26.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.6% | 81.5% | 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 | Sm 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 | Sm 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 | Sm 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 | Sm 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.