| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.8% | +0.7 pts |
| Share growth (YoY) | +5.3% | +4.3% | +1.0 pts |
| Loan growth (YoY) | +15.1% | +4.3% | +10.8 pts |
| ROA | 0.52% | 0.62% | -0.1 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $825.4M | $718.3M | $403.6M | $96.7M | $1.1M | 0.52% | 2.67% | 0.03% | 32,353 |
| Q4 2025 | $807.7M | $701.5M | $399.2M | $95.6M | $4.7M | 0.58% | 2.65% | 0.05% | 33,640 |
| Q3 2025 | $800.0M | $693.5M | $394.3M | $95.0M | $4.1M | 0.69% | 2.64% | 0.06% | 33,325 |
| Q2 2025 | $788.7M | $686.4M | $377.6M | $93.7M | $2.7M | 0.68% | 2.63% | 0.04% | 32,647 |
| Q1 2025 | $782.6M | $682.3M | $350.7M | $92.2M | $1.2M | 0.63% | 2.60% | 0.02% | 32,618 |
| Q4 2024 | $822.3M | $671.5M | $336.9M | $91.0M | $4.1M | 0.50% | 2.31% | 0.03% | 32,346 |
| Q3 2024 | $823.8M | $674.2M | $344.3M | $89.7M | $2.9M | 0.46% | 2.25% | 0.08% | 32,319 |
| Q2 2024 | $834.0M | $685.0M | $347.3M | $88.6M | $1.7M | 0.40% | 2.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.62% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 32,137 |
Loan mix (Q1 2026): real estate $230.5M · commercial $0 · consumer $172.2M · securities $347.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.6% | 78.3% | 57th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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.
6 branches in 2 counties across 1 state (-1 vs 2024). Biggest market: Contra Costa, CA, ranked 14th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Contra Costa, CA | 5 | $572.0M* | 1.02% | 14th |
| Solano, CA | 1 | $114.4M* | 1.02% | 17th |
California: 168th with 0.03% · San Francisco-Oakland-Fremont metro: 45th, 0.12% · Vallejo metro: 17th, 1.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 6