| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | -0.0 pts |
| Share growth (YoY) | +4.9% | +3.3% | +1.6 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.6 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 4.6% | 5.9% | -1.3 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $242.3M | $213.1M | $177.1M | $25.5M | $296K | 0.49% | 3.38% | 0.24% | 11,310 |
| Q4 2025 | $236.3M | $206.9M | $173.9M | $25.2M | $1.1M | 0.45% | 3.24% | 0.23% | 11,332 |
| Q3 2025 | $230.9M | $202.2M | $175.3M | $25.2M | $741K | 0.43% | 3.27% | 0.20% | 11,476 |
| Q2 2025 | $231.8M | $203.7M | $176.9M | $24.9M | $413K | 0.36% | 3.21% | 0.18% | 11,636 |
| Q1 2025 | $233.2M | $203.1M | $176.6M | $24.6M | $163K | 0.28% | 3.05% | 0.14% | 11,714 |
| Q4 2024 | $222.5M | $193.0M | $173.5M | $24.4M | $505K | 0.23% | 3.00% | 0.30% | 11,785 |
| Q3 2024 | $214.7M | $185.1M | $177.1M | $24.6M | $365K | 0.23% | 3.07% | 0.32% | 12,195 |
| Q2 2024 | $218.5M | $185.9M | $176.4M | $24.5M | $227K | 0.21% | 2.96% |
| Ratio | Southbridge Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 12,704 |
Loan mix (Q1 2026): real estate $106.8M · commercial $42.9M · consumer $13.3M · securities $33.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 78.7% | 79th |
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 | Southbridge 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 | Southbridge 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 | Southbridge 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 | Southbridge 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.