| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.7 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +5.0 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 9.1% | 4.1% | +5.0 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.2M | $57.7M | $37.8M | $8.3M | $189K | 1.14% | 3.40% | 1.09% | 4,449 |
| Q4 2025 | $65.0M | $56.7M | $38.4M | $8.1M | $728K | 1.12% | 3.36% | 0.93% | 4,412 |
| Q3 2025 | $63.7M | $55.6M | $38.4M | $8.0M | $575K | 1.20% | 3.39% | 1.06% | 4,375 |
| Q2 2025 | $63.7M | $55.7M | $36.5M | $7.7M | $307K | 0.96% | 3.27% | 0.54% | 4,315 |
| Q1 2025 | $63.1M | $55.3M | $36.8M | $7.6M | $138K | 0.87% | 3.29% | 0.99% | 4,303 |
| Q4 2024 | $61.8M | $54.2M | $36.2M | $7.4M | $484K | 0.78% | 3.01% | 1.06% | 4,245 |
| Q3 2024 | $61.8M | $54.2M | $37.1M | $7.4M | $388K | 0.84% | 2.96% | 0.81% | 4,199 |
| Q2 2024 | $61.0M | $53.6M | $37.2M | $7.2M | $235K | 0.77% | 2.92% | 0.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Sru Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,149 |
Loan mix (Q1 2026): real estate $18.1M · commercial $0 · consumer $19.2M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 81.5% | 27th |
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 | Sru 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 | Sru 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 | Sru 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 | Sru 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.