| Metric | Sun Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +3.9% | +3.8 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +16.8% | +2.9% | +13.9 pts |
| ROA | 1.26% | 0.69% | +0.6 pts |
| ROE | 11.8% | 5.9% | +5.8 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.1M | $114.7M | $63.3M | $13.8M | $406K | 1.26% | 4.14% | 0.41% | 6,454 |
| Q4 2025 | $127.2M | $113.3M | $62.8M | $13.4M | $1.4M | 1.06% | 3.82% | 0.58% | 6,447 |
| Q3 2025 | $125.9M | $112.4M | $60.8M | $13.0M | $924K | 0.98% | 3.75% | 0.42% | 6,451 |
| Q2 2025 | $122.8M | $109.4M | $54.3M | $12.7M | $672K | 1.09% | 3.73% | 0.51% | 6,462 |
| Q1 2025 | $119.9M | $106.9M | $54.2M | $12.3M | $302K | 1.01% | 3.72% | 0.22% | 6,509 |
| Q4 2024 | $119.4M | $106.8M | $54.1M | $12.0M | $941K | 0.79% | 3.30% | 0.32% | 6,516 |
| Q3 2024 | $119.6M | $107.2M | $51.4M | $11.7M | $629K | 0.70% | 3.18% | 0.35% | 6,541 |
| Q2 2024 | $118.0M | $106.3M | $50.6M | $11.5M | $370K | 0.63% | 3.07% |
| Ratio | Sun Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.69% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 6,569 |
Loan mix (Q1 2026): real estate $17.8M · commercial $0 · consumer $45.2M · securities $45.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 78.7% | 20th |
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 | Sun 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 | Sun 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 | Sun 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 | Sun 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.