| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.1% | -4.7 pts |
| Share growth (YoY) | +0.1% | +3.5% | -3.4 pts |
| Loan growth (YoY) | +1.3% | +2.9% | -1.6 pts |
| ROA | 0.86% | 0.74% | +0.1 pts |
| ROE | 6.8% | 6.5% | +0.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $236.2M | $198.0M | $188.6M | $30.1M | $1.0M | 0.86% | 2.56% | 0.17% | 5,025 |
| Q1 2026 | $242.1M | $201.9M | $190.9M | $29.5M | $485K | 0.80% | 2.48% | 0.29% | 5,065 |
| Q4 2025 | $236.5M | $197.7M | $183.1M | $29.2M | $2.3M | 0.96% | 2.55% | 0.34% | 5,082 |
| Q3 2025 | $238.0M | $197.7M | $180.3M | $28.6M | $1.7M | 0.95% | 2.52% | 0.34% | 5,071 |
| Q2 2025 | $237.5M | $197.8M | $186.3M | $28.1M | $1.1M | 0.95% | 2.44% | 0.77% | 5,101 |
| Q1 2025 | $238.1M | $198.9M | $177.7M | $27.6M | $627K | 1.05% | 2.36% | 0.17% | 5,147 |
| Q4 2024 | $227.9M | $191.7M | $177.2M | $27.1M | $1.6M | 0.70% | 2.39% | 0.17% | 5,154 |
| Q3 2024 | $223.8M | $187.7M | $176.0M | $26.7M | $1.2M | 0.69% | 2.41% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sri Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.74% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 6.5% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 5,192 |
| Q2 2024 | $219.3M | $181.9M | $168.5M | $26.3M | $762K | 0.70% | 2.46% | 0.17% | 5,189 |
Loan mix (Q2 2026): real estate $173.4M · commercial $0 · consumer $13.4M · securities $32.3M
4th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 77.5% | 20th |
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 | Sri Federal 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 | Sri Federal 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 | Sri Federal 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 | Sri Federal 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 | Sri Federal 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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: San Mateo, CA, ranked 31st with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Mateo, CA | 1 | $99.0M* | 0.22% | 31st |
| Santa Clara, CA | 1 | $99.0M* | 0.05% | 50th |
California: 260th with 0.01% · San Francisco-Oakland-Fremont metro: 85th, 0.02% · San Jose-Sunnyvale-Santa Clara metro: 51st, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2