| Metric | Sooper CU Dba Climb CU | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.6% | +4.8% | +9.8 pts |
| Share growth (YoY) | +14.7% | +4.3% | +10.4 pts |
| Loan growth (YoY) | +14.6% | +4.3% | +10.3 pts |
| ROA | 2.33% | 0.62% | +1.7 pts |
| ROE | 19.4% | 5.9% | +13.5 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $787.1M | $680.3M | $664.8M | $94.3M | $4.6M | 2.33% | 3.94% | 1.56% | 43,156 |
| Q4 2025 | $694.8M | $608.9M | $620.8M | $77.4M | $603K | 0.09% | 4.04% | 1.64% | 41,071 |
| Q3 2025 | $678.1M | $592.3M | $582.8M | $77.4M | $579K | 0.11% | 4.11% | 1.65% | 40,677 |
| Q2 2025 | $674.0M | $589.0M | $589.7M | $77.3M | $490K | 0.15% | 4.03% | 1.31% | 40,455 |
| Q1 2025 | $687.0M | $593.0M | $580.2M | $76.9M | $108K | 0.06% | 3.95% | 1.41% | 40,155 |
| Q4 2024 | $659.0M | $563.9M | $574.7M | $76.8M | $5.1M | 0.77% | 4.39% | 1.79% | 40,170 |
| Q3 2024 | $671.4M | $551.4M | $579.0M | $76.7M | $5.0M | 0.98% | 4.34% | 1.57% | 39,783 |
| Q2 2024 | $678.5M | $549.2M | $604.0M | $75.4M | $3.7M | 1.09% | 4.28% |
| Ratio | Sooper CU Dba Climb CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 0.62% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.23% |
| 39,355 |
Loan mix (Q1 2026): real estate $317.9M · commercial $70.3M · consumer $252.9M · securities $64.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 78.3% | 6th |
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 | Sooper CU Dba Climb CU | 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 | Sooper CU Dba Climb CU | 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 | Sooper CU Dba Climb CU | 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 | Sooper CU Dba Climb CU | 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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