| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -3.7% | +0.7% | -4.3 pts |
| Loan growth (YoY) | +2.0% | -2.4% | +4.3 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.3M | $33.5M | $28.6M | $4.6M | $83K | 0.87% | 4.73% | 2.59% | 2,417 |
| Q4 2025 | $38.0M | $33.2M | $28.2M | $4.5M | $239K | 0.63% | 4.69% | 3.15% | 2,445 |
| Q3 2025 | $38.8M | $34.0M | $28.4M | $4.5M | $198K | 0.68% | 4.55% | 4.30% | 2,438 |
| Q2 2025 | $39.1M | $34.4M | $28.1M | $4.4M | $118K | 0.60% | 4.46% | 3.64% | 2,449 |
| Q1 2025 | $39.8M | $34.7M | $28.1M | $4.4M | $96K | 0.96% | 4.73% | 1.18% | 2,464 |
| Q4 2024 | $39.2M | $34.6M | $28.1M | $4.3M | $408K | 1.04% | 4.38% | 1.47% | 2,476 |
| Q3 2024 | $39.6M | $34.9M | $29.0M | $4.2M | $350K | 1.18% | 4.21% | 1.47% | 2,482 |
| Q2 2024 | $37.9M | $33.4M | $28.2M | $4.1M | $227K | 1.20% | 4.14% | 2.25% |
| Ratio | St. Thomas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,497 |
Loan mix (Q1 2026): real estate $17.2M · commercial $305K · consumer $10.8M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 81.5% | 41th |
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. Thomas 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. Thomas 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. Thomas 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. Thomas 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.