| Metric | Sunmark Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +5.1% | -2.7 pts |
| Share growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Loan growth (YoY) | -5.1% | +5.4% | -10.6 pts |
| ROA | 0.64% | 0.71% | -0.1 pts |
| ROE | 7.0% | 6.3% | +0.7 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.20B | $1.08B | $920.7M | $110.2M | $1.9M | 0.64% | 3.88% | 1.42% | 88,531 |
| Q4 2025 | $1.19B | $1.07B | $935.9M | $108.2M | $3.3M | 0.28% | 3.70% | 1.56% | 88,205 |
| Q3 2025 | $1.21B | $1.06B | $947.9M | $110.8M | $5.6M | 0.61% | 3.60% | 1.37% | 89,943 |
| Q2 2025 | $1.18B | $1.07B | $959.7M | $110.0M | $4.9M | 0.82% | 3.66% | 0.94% | 90,151 |
| Q1 2025 | $1.17B | $1.06B | $970.6M | $107.4M | $2.2M | 0.76% | 3.59% | 0.90% | 89,768 |
| Q4 2024 | $1.14B | $1.03B | $975.5M | $105.2M | $5.8M | 0.51% | 3.49% | 1.09% | 89,255 |
| Q3 2024 | $1.14B | $1.03B | $981.7M | $105.0M | $5.4M | 0.63% | 3.45% | 1.01% | 90,841 |
| Q2 2024 | $1.15B | $1.04B | $1.01B | $102.4M | $2.8M | 0.49% | 3.38% |
| Ratio | Sunmark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.71% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 6.3% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 90,227 |
Loan mix (Q1 2026): real estate $525.9M · commercial $127.3M · consumer $252.4M · securities $115.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 73.0% | 81th |
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 | Sunmark 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 | Sunmark 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 | Sunmark 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 | Sunmark 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.