| Metric | Sunwest Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +3.6% | +3.3% | +0.3 pts |
| Loan growth (YoY) | +12.7% | +2.9% | +9.8 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 6.3% | 5.9% | +0.4 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $233.0M | $205.9M | $166.1M | $26.7M | $422K | 0.72% | 3.81% | 0.53% | 12,151 |
| Q4 2025 | $229.6M | $202.9M | $164.7M | $26.3M | $2.1M | 0.91% | 3.70% | 0.90% | 12,090 |
| Q3 2025 | $226.3M | $200.3M | $159.9M | $26.0M | $1.5M | 0.90% | 3.70% | 1.01% | 11,972 |
| Q2 2025 | $225.0M | $199.8M | $150.7M | $25.6M | $1.1M | 1.00% | 3.64% | 1.16% | 11,711 |
| Q1 2025 | $222.9M | $198.7M | $147.4M | $25.0M | $497K | 0.89% | 3.61% | 0.85% | 11,621 |
| Q4 2024 | $215.5M | $192.4M | $150.6M | $24.5M | $2.0M | 0.92% | 3.47% | 1.18% | 11,666 |
| Q3 2024 | $213.5M | $190.4M | $153.9M | $24.3M | $1.5M | 0.95% | 3.44% | 0.70% | 11,803 |
| Q2 2024 | $215.2M | $193.2M | $144.3M | $23.7M | $950K | 0.88% | 3.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Sunwest Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 11,651 |
Loan mix (Q1 2026): real estate $83.3M · commercial $3.3M · consumer $79.1M · securities $36.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 78.7% | 25th |
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 | Sunwest 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 | Sunwest 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 | Sunwest 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 | Sunwest 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.