| Metric | The State Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +6.0% | +0.7% | +5.3 pts |
| Loan growth (YoY) | -6.2% | -2.4% | -3.8 pts |
| ROA | 1.04% | 0.60% | +0.4 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.9M | $75.9M | $51.0M | $17.9M | $247K | 1.04% | 3.57% | 0.06% | 8,433 |
| Q4 2025 | $92.6M | $74.2M | $51.9M | $17.6M | $1.5M | 1.59% | 3.95% | 0.06% | 8,408 |
| Q3 2025 | $91.3M | $73.3M | $53.0M | $17.3M | $1.1M | 1.61% | 3.99% | 0.18% | 8,399 |
| Q2 2025 | $90.0M | $72.2M | $54.0M | $16.9M | $771K | 1.71% | 4.06% | 0.11% | 8,398 |
| Q1 2025 | $89.4M | $71.6M | $54.3M | $16.5M | $331K | 1.48% | 3.97% | 0.28% | 8,398 |
| Q4 2024 | $87.0M | $70.1M | $53.3M | $16.1M | $1.5M | 1.69% | 3.96% | 0.68% | 8,362 |
| Q3 2024 | $87.4M | $70.4M | $54.4M | $15.7M | $1.0M | 1.55% | 3.82% | 0.33% | 8,357 |
| Q2 2024 | $87.3M | $70.5M | $52.8M | $15.3M | $656K | 1.50% | 3.75% | 0.15% |
| Ratio | The State Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,317 |
Loan mix (Q1 2026): real estate $19.0M · commercial $0 · consumer $31.2M · securities $32.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 81.5% | 32th |
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 | The State 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 | The State 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 | The State 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 | The State 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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