| Metric | Space Age Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.9% | -4.5 pts |
| Share growth (YoY) | -1.5% | +3.3% | -4.8 pts |
| Loan growth (YoY) | +7.3% | +2.9% | +4.4 pts |
| ROA | 0.18% | 0.69% | -0.5 pts |
| ROE | 2.3% | 5.9% | -3.7 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $168.1M | $152.1M | $113.2M | $13.5M | $77K | 0.18% | 3.82% | 1.65% | 13,418 |
| Q4 2025 | $164.4M | $150.0M | $109.0M | $13.4M | $111K | 0.07% | 4.06% | 1.68% | 13,629 |
| Q3 2025 | $163.7M | $149.4M | $108.7M | $13.4M | $90K | 0.07% | 4.05% | 1.50% | 14,059 |
| Q2 2025 | $165.9M | $151.4M | $109.4M | $13.6M | $60K | 0.07% | 3.95% | 1.39% | 14,236 |
| Q1 2025 | $169.0M | $154.4M | $105.5M | $13.6M | $33K | 0.08% | 3.77% | 1.55% | 14,232 |
| Q4 2024 | $162.4M | $147.9M | $108.3M | $13.6M | $78K | 0.05% | 3.81% | 1.38% | 14,413 |
| Q3 2024 | $160.7M | $146.1M | $111.8M | $13.5M | $55K | 0.05% | 3.78% | 1.18% | 14,683 |
| Q2 2024 | $163.0M | $148.2M | $115.4M | $13.7M | $36K | 0.04% | 3.63% |
| Ratio | Space Age Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.08% |
| 16,624 |
Loan mix (Q1 2026): real estate $38.3M · commercial $0 · consumer $29.4M · securities $38.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 78.7% | 37th |
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 | Space Age 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 | Space Age 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 | Space Age 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 | Space Age 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.