| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.1% | +0.7 pts |
| Share growth (YoY) | +5.6% | +4.9% | +0.8 pts |
| Loan growth (YoY) | +13.4% | +5.4% | +7.9 pts |
| ROA | 1.22% | 0.71% | +0.5 pts |
| ROE | 9.1% | 6.3% | +2.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.08B | $1.77B | $1.42B | $280.2M | $6.3M | 1.22% | 4.52% | 1.17% | 201,844 |
| Q4 2025 | $2.05B | $1.72B | $1.41B | $275.6M | $28.5M | 1.39% | 4.31% | 1.04% | 200,683 |
| Q3 2025 | $1.98B | $1.68B | $1.40B | $271.4M | $24.3M | 1.64% | 4.63% | 0.78% | 199,864 |
| Q2 2025 | $1.97B | $1.68B | $1.29B | $261.9M | $14.7M | 1.49% | 4.53% | 0.70% | 198,585 |
| Q1 2025 | $1.96B | $1.68B | $1.26B | $253.2M | $6.0M | 1.22% | 4.44% | 0.68% | 196,684 |
| Q4 2024 | $1.88B | $1.61B | $1.22B | $249.0M | $24.8M | 1.32% | 4.22% | 0.76% | 195,100 |
| Q3 2024 | $1.79B | $1.52B | $1.14B | $245.8M | $21.6M | 1.61% | 4.57% | 0.72% | 194,166 |
| Q2 2024 | $1.78B | $1.52B | $1.11B | $238.1M | $13.9M | 1.57% | 4.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Srp Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.71% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 6.3% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 193,306 |
Loan mix (Q1 2026): real estate $431.3M · commercial $435.9M · consumer $518.8M · securities $240.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 73.0% | 35th |
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 | Srp 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 | Srp 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 | Srp 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 | Srp 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.