South Sanpete Credit Union

Credit UnionFISCUManti, UT·Est. 1956·NCUA #67130Compare ⇄▤ Account brief

Total assets

$1.2M

▲ +8.1% YoY

Shares & deposits

$1.0M

▲ +8.1% YoY

Loans

$576K

▼ -9.7% YoY

Members

196

▲ +1.0% YoY

ROA (annualized)

0.53%

peers 0.60%

ROE (annualized)

4.45%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+8.1%	+1.3%	+6.8 pts
Share growth (YoY)	+8.1%	+0.7%	+7.5 pts
Loan growth (YoY)	-9.7%	-2.4%	-7.3 pts
ROA	0.53%	0.60%	-0.1 pts
ROE	4.5%	4.1%	+0.4 pts

ROA ranks in the 46th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$1.2M	$1.0M	$576K	$137K	$2K	0.53%	2.49%	0.00%	196
Q4 2025	$1.1M	$927K	$615K	$136K	$8K	0.72%	2.89%	0.00%	196
Q3 2025	$1.0M	$897K	$610K	$133K	$5K	0.69%	2.77%	0.00%	194
Q2 2025	$1.0M	$878K	$639K	$131K	$4K	0.70%	2.77%	0.00%	195
Q1 2025	$1.1M	$945K	$638K	$129K	$1K	0.45%	2.49%	0.00%	194
Q4 2024	$1.1M	$931K	$648K	$128K	$7K	0.66%	2.66%	0.09%	192
Q3 2024	$964K	$837K	$667K	$127K	$5K	0.72%	2.99%	0.12%	190
Q2 2024	$958K	$832K	$728K	$126K	$5K	0.96%	2.80%	0.14%	189

Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $576K · securities $206K

Loans down·Loans -9.7% YoY — Shrinking book — origination and marketing are on the agenda

Earlier quarters (3)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.53%	0.60%	46th
Return on equity Annualized net income ÷ equity or net worth	4.5%	4.1%	53th
Net interest margin Interest income − interest expense, ÷ assets	2.49%	3.83%

Selling to South Sanpete Credit Union?

Peer lists, growth filters, CSV export, CRM push.

Ratio	Value	Peer median
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	Value	Peer median
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	Value	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%