| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +3.9% | -6.8 pts |
| Share growth (YoY) | -1.2% | +3.3% | -4.5 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.3 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 3.0% | 5.9% | -3.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $377.3M | $329.1M | $249.9M | $36.4M | $271K | 0.29% | 2.80% | 0.22% | 18,143 |
| Q4 2025 | $378.6M | $327.7M | $250.8M | $36.1M | $1.5M | 0.39% | 2.83% | 0.54% | 18,191 |
| Q3 2025 | $378.1M | $325.0M | $254.0M | $35.9M | $1.2M | 0.43% | 2.84% | 0.38% | 18,233 |
| Q2 2025 | $389.1M | $334.9M | $254.7M | $35.5M | $727K | 0.37% | 2.70% | 0.37% | 18,772 |
| Q1 2025 | $388.7M | $333.2M | $253.2M | $35.0M | $276K | 0.28% | 2.59% | 0.29% | 18,767 |
| Q4 2024 | $378.6M | $321.0M | $250.2M | $34.7M | $1.7M | 0.45% | 2.70% | 0.51% | 18,782 |
| Q3 2024 | $375.9M | $317.8M | $248.5M | $34.6M | $1.4M | 0.50% | 2.74% | 0.50% | 18,731 |
| Q2 2024 | $376.1M | $316.7M | $246.5M | $34.1M | $947K | 0.50% | 2.76% |
| Ratio | St. Jean's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 19,321 |
Loan mix (Q1 2026): real estate $200.1M · commercial $5.2M · consumer $40.6M · securities $54.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 78.7% | 93th |
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 | St. Jean's 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 | St. Jean's 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 | St. Jean's 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 | St. Jean's 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.