| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.1% | -1.9 pts |
| Share growth (YoY) | +3.5% | +4.9% | -1.3 pts |
| Loan growth (YoY) | +1.7% | +5.4% | -3.8 pts |
| ROA | 0.19% | 0.71% | -0.5 pts |
| ROE | 1.6% | 6.3% | -4.6 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.04B | $857.7M | $759.0M | $119.1M | $487K | 0.19% | 2.59% | 0.07% | 56,730 |
| Q4 2025 | $1.04B | $846.1M | $761.1M | $118.6M | $3.7M | 0.36% | 2.42% | 0.08% | 57,657 |
| Q3 2025 | $1.00B | $828.8M | $767.1M | $117.4M | $2.5M | 0.33% | 2.45% | 0.09% | 57,536 |
| Q2 2025 | $1.01B | $828.2M | $758.8M | $116.4M | $1.5M | 0.30% | 2.37% | 0.05% | 56,765 |
| Q1 2025 | $1.01B | $828.4M | $746.3M | $116.2M | $613K | 0.24% | 2.26% | 0.06% | 55,850 |
| Q4 2024 | $1.00B | $807.8M | $752.3M | $114.9M | $1.9M | 0.19% | 2.19% | 0.15% | 55,399 |
| Q3 2024 | $999.0M | $797.7M | $759.5M | $114.3M | $1.4M | 0.18% | 2.19% | 0.07% | 55,208 |
| Q2 2024 | $991.8M | $806.9M | $746.7M | $113.8M | $806K | 0.16% | 2.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | St. Mary's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.71% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 6.3% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 54,502 |
Loan mix (Q1 2026): real estate $433.6M · commercial $78.2M · consumer $245.4M · securities $214.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 73.0% | 97th |
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. Mary'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. Mary'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. Mary'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. Mary'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.