| Metric | Snocope Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +6.3% | +0.9% | +5.4 pts |
| Loan growth (YoY) | -7.8% | -2.6% | -5.2 pts |
| ROA | 0.38% | 0.65% | -0.3 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.7M | $80.4M | $49.0M | $8.5M | $167K | 0.38% | 3.87% | 0.93% | 5,790 |
| Q1 2026 | $89.0M | $80.5M | $49.3M | $8.4M | $65K | 0.29% | 3.84% | 1.05% | 5,882 |
| Q4 2025 | $86.3M | $78.4M | $49.4M | $8.3M | $385K | 0.45% | 4.07% | 1.42% | 5,939 |
| Q3 2025 | $85.4M | $77.0M | $51.3M | $8.4M | $417K | 0.65% | 4.12% | 1.11% | 6,003 |
| Q2 2025 | $83.9M | $75.6M | $53.2M | $8.3M | $350K | 0.83% | 4.20% | 1.03% | 6,109 |
| Q1 2025 | $84.4M | $76.4M | $55.0M | $8.1M | $176K | 0.83% | 4.17% | 1.22% | 6,199 |
| Q4 2024 | $81.7M | $74.2M | $56.5M | $8.0M | $883K | 1.08% | 4.42% | 1.02% | 6,275 |
| Q3 2024 | $80.0M | $72.6M | $53.3M | $7.7M | $651K | 1.09% | 4.48% | 0.94% |
| Ratio | Snocope Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,358 |
| Q2 2024 | $79.3M | $72.0M | $53.7M | $7.4M | $314K | 0.79% | 4.44% | 0.84% | 6,424 |
Loan mix (Q2 2026): real estate $19.8M · commercial $0 · consumer $28.4M · securities $31.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 80.6% | 49th |
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 | Snocope 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 | Snocope Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Snocope 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 | Snocope 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 | Snocope 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Snohomish, WA, ranked 33rd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Snohomish, WA | 1 | $80.4M* | 0.28% | 33rd |
Washington: 107th with 0.03% · Seattle-Tacoma-Bellevue metro: 65th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1