| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.5% | +0.9% | -3.4 pts |
| Loan growth (YoY) | -4.5% | -2.6% | -1.9 pts |
| ROA | 0.84% | 0.65% | +0.2 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.5M | $11.3M | $2.5M | $1.2M | $53K | 0.84% | 3.59% | 0.27% | 464 |
| Q1 2026 | $14.0M | $12.9M | $2.7M | $1.1M | $28K | 0.81% | 3.30% | 0.12% | 472 |
| Q4 2025 | $13.8M | $12.7M | $2.7M | $1.1M | $56K | 0.40% | 2.86% | 0.19% | 475 |
| Q3 2025 | $13.0M | $11.9M | $2.6M | $1.1M | $52K | 0.53% | 2.93% | 0.21% | 473 |
| Q2 2025 | $12.7M | $11.6M | $2.6M | $1.1M | $21K | 0.33% | 2.92% | 0.35% | 475 |
| Q1 2025 | $13.2M | $12.1M | $2.6M | $1.1M | $7K | 0.21% | 2.73% | 0.15% | 480 |
| Q4 2024 | $13.1M | $12.0M | $2.7M | $1.1M | $29K | 0.22% | 2.64% | 0.19% | 480 |
| Q3 2024 | $12.6M | $11.6M | $2.8M | $1.1M | $24K | 0.25% | 2.73% | 1.17% | 484 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.65% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $12.7M | $11.7M | $3.1M | $1.0M | $11K | 0.17% | 2.70% | 0.40% | 488 |
Loan mix (Q2 2026): real estate $584K · commercial $0 · consumer $1.9M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 80.6% | 45th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Anchorage, AK, ranked 13th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anchorage, AK | 1 | $11.3M* | 0.09% | 13th |
Alaska: 18th with 0.05% · Anchorage metro: 13th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1