| Metric | South Bay Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.9% | +1.3 pts |
| Share growth (YoY) | +9.0% | +3.3% | +5.7 pts |
| Loan growth (YoY) | +0.0% | +2.9% | -2.9 pts |
| ROA | 0.13% | 0.69% | -0.6 pts |
| ROE | 1.4% | 5.9% | -4.5 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $164.3M | $146.2M | $120.7M | $14.9M | $53K | 0.13% | 3.58% | 0.60% | 9,930 |
| Q4 2025 | $156.8M | $140.8M | $122.9M | $14.9M | $708K | 0.45% | 3.63% | 0.56% | 9,898 |
| Q3 2025 | $153.1M | $137.2M | $121.9M | $14.5M | $365K | 0.32% | 3.70% | 0.49% | 9,788 |
| Q2 2025 | $150.6M | $134.0M | $119.4M | $14.4M | $210K | 0.28% | 3.69% | 0.45% | 9,686 |
| Q1 2025 | $156.1M | $134.1M | $120.6M | $14.3M | $128K | 0.33% | 3.50% | 0.47% | 9,621 |
| Q4 2024 | $158.0M | $131.6M | $122.3M | $14.1M | $-879K | -0.56% | 3.29% | 0.71% | 9,744 |
| Q3 2024 | $157.8M | $131.5M | $122.6M | $14.7M | $-365K | -0.31% | 3.25% | 0.65% | 9,718 |
| Q2 2024 | $160.5M | $135.9M | $122.0M | $15.1M | $54K | 0.07% | 3.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | South Bay Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.69% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 9,589 |
Loan mix (Q1 2026): real estate $79.1M · commercial $452K · consumer $39.5M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 78.7% | 74th |
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 | South Bay 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 | South Bay 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 | South Bay 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 | South Bay 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 | South Bay 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.
4 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Los Angeles, CA, ranked 139th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 3 | $100.5M* | 0.02% | 139th |
| Spokane, WA | 1 | $33.5M* | 0.15% | 30th |
California: 301st with 0.00% · Washington: 138th with 0.01% · Los Angeles-Long Beach-Anaheim metro: 156th, 0.01% · Spokane-Spokane Valley metro: 31st, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4