| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.1% | +6.0 pts |
| Share growth (YoY) | +10.2% | +3.5% | +6.7 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.7 pts |
| ROA | 1.19% | 0.74% | +0.4 pts |
| ROE | 8.1% | 6.5% | +1.6 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.9M | $115.0M | $72.8M | $19.9M | $805K | 1.19% | 3.55% | 0.30% | 8,632 |
| Q1 2026 | $135.7M | $115.2M | $72.1M | $19.5M | $418K | 1.23% | 3.48% | 0.18% | 8,824 |
| Q4 2025 | $129.8M | $110.1M | $72.3M | $19.1M | $2.0M | 1.54% | 3.67% | 0.48% | 8,766 |
| Q3 2025 | $125.5M | $106.2M | $71.7M | $18.6M | $1.6M | 1.66% | 3.77% | 0.09% | 8,579 |
| Q2 2025 | $123.4M | $104.4M | $68.9M | $18.2M | $1.1M | 1.76% | 3.81% | 0.16% | 8,339 |
| Q1 2025 | $121.8M | $103.3M | $68.2M | $17.7M | $627K | 2.06% | 3.81% | 0.07% | 8,011 |
| Q4 2024 | $115.3M | $97.2M | $67.9M | $17.1M | $1.8M | 1.53% | 3.81% | 0.39% | 7,921 |
| Q3 2024 | $111.0M | $93.1M | $68.0M | $16.6M | $1.3M | 1.59% | 3.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.74% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.5% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 7,895 |
| Q2 2024 | $109.6M | $92.3M | $66.3M | $16.1M | $823K | 1.50% | 3.91% | 0.12% | 7,866 |
Loan mix (Q2 2026): real estate $34.6M · commercial $0 · consumer $18.9M · securities $44.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 77.5% | 17th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Anchorage, AK, ranked 12th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anchorage, AK | 1 | $57.5M* | 0.48% | 12th |
| King, WA | 1 | $57.5M* | 0.04% | 54th |
Washington: 118th with 0.02% · Alaska: 17th with 0.23% · Anchorage metro: 12th, 0.39% · Seattle-Tacoma-Bellevue metro: 68th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2