Sound Credit Union
Total assets
$3.45B
▲ +9.2% YoY
Shares & deposits
$2.98B
▲ +9.6% YoY
Loans
$2.64B
▲ +4.8% YoY
Members
181,030
▲ +5.9% YoY
ROA (annualized)
0.83%
peers 0.71%
ROE (annualized)
7.81%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Sound Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +5.1% | +4.0 pts |
| Share growth (YoY) | +9.6% | +4.9% | +4.7 pts |
| Loan growth (YoY) | +4.8% | +5.4% | -0.7 pts |
| ROA | 0.83% | 0.71% | +0.1 pts |
| ROE | 7.8% | 6.3% | +1.5 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 1595, Tacoma, WA, 98401
- NCUA charter #
- 66331
- RSSD ID
- 248473
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.45B | $2.98B | $2.64B | $365.7M | $7.1M | 0.83% | 3.16% | 1.63% | 181,030 |
| Q4 2025 | $3.34B | $2.88B | $2.61B | $358.6M | $17.0M | 0.51% | 3.20% | 1.72% | 177,657 |
| Q3 2025 | $3.26B | $2.81B | $2.60B | $355.3M | $12.3M | 0.50% | 3.22% | 1.43% | 176,108 |
| Q2 2025 | $3.20B | $2.76B | $2.58B | $351.2M | $8.2M | 0.51% | 3.23% | 1.19% | 174,186 |
| Q1 2025 | $3.16B | $2.72B | $2.52B | $346.4M | $3.4M | 0.43% | 3.16% | 1.02% | 170,973 |
| Q4 2024 | $3.16B | $2.61B | $2.46B | $343.0M | $14.5M | 0.46% | 2.88% | 0.75% | 167,423 |
| Q3 2024 | $2.98B | $2.52B | $2.33B | $341.0M | $11.1M | 0.50% | 2.98% | 0.65% | 163,882 |
| Q2 2024 | $2.97B | $2.51B | $2.27B | $337.0M | $7.0M | 0.47% | 2.98% | 0.54% | 176,033 |
Loan mix (Q1 2026): real estate $621.9M · commercial $864.0M · consumer $1.11B · securities $126.1M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Sound Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.71% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 6.3% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.32% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 73.0% | 32th | |
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% |
Balance sheet
| Ratio | Sound 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% |
Capital
| Ratio | Sound 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% |
Credit quality
| Ratio | Sound 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% |
Franchise
| Ratio | Sound 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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