| Metric | Summit Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.5 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | +1.4% | +2.9% | -1.5 pts |
| ROA | 0.79% | 0.69% | +0.1 pts |
| ROE | 5.2% | 5.9% | -0.7 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $369.4M | $299.9M | $232.6M | $56.0M | $730K | 0.79% | 4.48% | 1.19% | 30,746 |
| Q4 2025 | $360.3M | $291.4M | $232.7M | $55.6M | $2.8M | 0.77% | 4.51% | 0.93% | 37,288 |
| Q3 2025 | $362.0M | $294.0M | $232.8M | $54.2M | $1.4M | 0.51% | 4.44% | 0.63% | 37,582 |
| Q2 2025 | $362.3M | $294.8M | $232.6M | $53.9M | $1.1M | 0.59% | 4.45% | 0.75% | 31,592 |
| Q1 2025 | $360.6M | $295.0M | $229.3M | $53.4M | $571K | 0.63% | 4.29% | 0.68% | 31,738 |
| Q4 2024 | $349.4M | $284.6M | $229.8M | $53.1M | $3.0M | 0.86% | 4.28% | 1.13% | 31,848 |
| Q3 2024 | $344.6M | $281.6M | $225.5M | $52.7M | $2.6M | 1.01% | 4.28% | 0.93% | 32,118 |
| Q2 2024 | $346.3M | $284.5M | $221.8M | $52.0M | $1.9M | 1.10% | 4.21% |
| Ratio | Summit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 32,578 |
Loan mix (Q1 2026): real estate $106.2M · commercial $26.8M · consumer $94.8M · securities $81.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 78.7% | 23th |
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 | Summit 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 | Summit 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 | Summit 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 | Summit 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.