| Metric | Sno Falls Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.9% | -1.1 pts |
| Share growth (YoY) | +1.4% | +3.3% | -1.9 pts |
| Loan growth (YoY) | +7.6% | +2.9% | +4.7 pts |
| ROA | 0.19% | 0.69% | -0.5 pts |
| ROE | 2.3% | 5.9% | -3.7 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $101.2M | $90.8M | $72.5M | $8.5M | $48K | 0.19% | 4.59% | 0.85% | 5,072 |
| Q4 2025 | $98.9M | $89.7M | $69.9M | $8.5M | $492K | 0.50% | 4.76% | 0.71% | 5,159 |
| Q3 2025 | $100.2M | $91.4M | $71.1M | $8.3M | $244K | 0.32% | 4.65% | 1.95% | 5,243 |
| Q2 2025 | $95.6M | $86.8M | $68.9M | $8.2M | $178K | 0.37% | 4.82% | 2.19% | 5,328 |
| Q1 2025 | $98.4M | $89.6M | $67.3M | $8.1M | $70K | 0.29% | 4.72% | 0.45% | 5,419 |
| Q4 2024 | $98.1M | $89.4M | $70.0M | $8.0M | $-10K | -0.01% | 4.41% | 0.12% | 5,514 |
| Q3 2024 | $100.7M | $90.7M | $70.1M | $8.0M | $-124K | -0.16% | 4.21% | 1.42% | 5,618 |
| Q2 2024 | $104.2M | $90.7M | $70.8M | $7.9M | $-220K | -0.42% | 4.00% | 1.04% |
| Ratio | Sno Falls Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,737 |
Loan mix (Q1 2026): real estate $39.7M · commercial $2.0M · consumer $12.4M · securities $13.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.4% | 78.7% | 94th |
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 | Sno Falls 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 | Sno Falls 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 | Sno Falls 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 | Sno Falls 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.