| Metric | Superior Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.1% | +1.3% | -9.4 pts |
| Share growth (YoY) | -9.4% | +0.7% | -10.0 pts |
| Loan growth (YoY) | -9.9% | -2.4% | -7.6 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 9.7% | 4.1% | +5.6 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 | $66.1M | $62.4M | $43.1M | $4.4M | $108K | 0.65% | 3.92% | 0.21% | 6,233 |
| Q4 2025 | $64.8M | $61.9M | $44.7M | $4.3M | $490K | 0.76% | 4.14% | 0.12% | 6,287 |
| Q3 2025 | $63.0M | $59.2M | $45.0M | $4.5M | $457K | 0.97% | 4.26% | 0.20% | 6,336 |
| Q2 2025 | $67.9M | $64.1M | $46.6M | $4.3M | $331K | 0.97% | 3.92% | 0.15% | 6,376 |
| Q1 2025 | $71.9M | $68.8M | $47.9M | $4.2M | $169K | 0.94% | 3.62% | 0.42% | 6,457 |
| Q4 2024 | $63.3M | $59.9M | $48.8M | $4.0M | $-48K | -0.08% | 3.95% | 0.49% | 6,497 |
| Q3 2024 | $64.6M | $60.0M | $49.5M | $5.4M | $44K | 0.09% | 3.85% | 0.72% | 6,509 |
| Q2 2024 | $65.5M | $61.4M | $51.3M | $5.4M | $11K | 0.03% | 3.71% | 0.82% |
| Ratio | Superior Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,535 |
Loan mix (Q1 2026): real estate $28.9M · commercial $3.7M · consumer $9.7M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 81.5% | 52th |
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 | Superior 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 | Superior 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 | Superior 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 | Superior 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% |
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