| Metric | Soo Co-Op Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +4.0 pts |
| ROA | 1.43% | 0.69% | +0.7 pts |
| ROE | 10.8% | 5.9% | +4.8 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $324.8M | $283.3M | $181.1M | $43.2M | $1.2M | 1.43% | 3.67% | 0.27% | 24,668 |
| Q4 2025 | $313.2M | $272.8M | $184.4M | $42.1M | $3.8M | 1.23% | 3.60% | 0.36% | 24,582 |
| Q3 2025 | $308.5M | $269.2M | $182.2M | $41.2M | $3.0M | 1.29% | 3.60% | 0.42% | 24,466 |
| Q2 2025 | $304.2M | $266.9M | $177.2M | $40.1M | $1.9M | 1.24% | 3.56% | 0.22% | 24,304 |
| Q1 2025 | $303.9M | $268.0M | $169.4M | $39.1M | $844K | 1.11% | 3.45% | 0.26% | 24,120 |
| Q4 2024 | $290.6M | $257.1M | $169.9M | $38.2M | $3.4M | 1.17% | 3.37% | 0.24% | 23,583 |
| Q3 2024 | $281.3M | $247.3M | $171.1M | $37.2M | $2.4M | 1.13% | 3.42% | 0.23% | 23,583 |
| Q2 2024 | $275.9M | $244.4M | $169.1M | $36.2M | $1.4M | 1.03% | 3.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Soo Co-Op Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 24,321 |
Loan mix (Q1 2026): real estate $43.0M · commercial $2.3M · consumer $111.1M · securities $61.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 78.7% | 25th |
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 | Soo Co-Op 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 | Soo Co-Op 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 | Soo Co-Op 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 | Soo Co-Op 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% |
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