S and J School Employees
Wintersville, OH · Charter 17331 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$3.1MAssets
$1.9MLoans
$2.7MShares
$335KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets (rank 50 of 1683).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1560 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.46%
Rank 1,179 of 1,683
Net Interest Margin
5.87%
Rank 50 of 1,683
Efficiency Ratio
91.67%
Rank 1,431 of 1,682
Equity / Assets
10.93%
Rank 1,169 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,179 / 1,683 | |
| Return on Equity | 4.18% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,066 / 1,681 | |
| Net Interest Margin | 5.87% | 3.31% | 3.82% | 4.32% | Beats 97% | 50 / 1,683 | |
| Efficiency Ratio | 91.67% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,431 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.14% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,560 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.93% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,169 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.93% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,169 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 70.30% | 52.61% | 69.38% | 83.50% | 51st pctl | 819 / 1,683 | |
| Loans / Assets | 62.30% | 44.71% | 59.18% | 70.72% | 57th pctl | 721 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |