| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.8% | -3.7 pts |
| Share growth (YoY) | +3.2% | +4.3% | -1.1 pts |
| Loan growth (YoY) | +2.2% | +4.3% | -2.1 pts |
| ROA | 0.63% | 0.62% | +0.0 pts |
| ROE | 5.9% | 5.9% | -0.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $671.0M | $590.5M | $513.7M | $72.1M | $1.1M | 0.63% | 3.31% | 0.89% | 35,652 |
| Q4 2025 | $677.9M | $577.1M | $518.0M | $71.0M | $3.1M | 0.46% | 3.16% | 1.27% | 35,572 |
| Q3 2025 | $670.1M | $563.9M | $513.3M | $71.0M | $2.7M | 0.53% | 3.15% | 1.28% | 34,341 |
| Q2 2025 | $672.2M | $570.4M | $510.5M | $70.0M | $1.6M | 0.49% | 3.09% | 1.02% | 34,422 |
| Q1 2025 | $664.1M | $572.1M | $502.5M | $69.1M | $674K | 0.41% | 3.06% | 0.58% | 34,408 |
| Q4 2024 | $667.9M | $560.3M | $502.0M | $68.4M | $2.7M | 0.41% | 2.89% | 1.01% | 34,481 |
| Q3 2024 | $657.3M | $547.8M | $494.8M | $69.1M | $2.0M | 0.40% | 2.90% | 0.77% | 34,789 |
| Q2 2024 | $647.1M | $555.5M | $491.3M | $67.4M | $1.2M | 0.39% | 2.92% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Sun Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.62% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 35,027 |
Loan mix (Q1 2026): real estate $340.8M · commercial $61.0M · consumer $97.7M · securities $83.9M
39th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 78.3% | 73th |
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 Federal 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 Federal 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 Federal 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 Federal 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.