| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +4.1% | — |
| Share growth (YoY) | — | +3.5% | — |
| Loan growth (YoY) | — | +2.9% | — |
| ROA | 1.01% | 0.74% | +0.3 pts |
| ROE | 9.8% | 6.5% | +3.3 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Not enough history yet.
Not enough history yet.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $362.9M | $321.5M | $245.7M | $37.5M | $1.8M | 1.01% | 3.26% | 1.00% | 19,782 |
Loan mix (Q2 2026): real estate $110.7M · commercial $14.6M · consumer $113.8M · securities $80.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (1q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | Not enough history yet. | 0.74% | 67th |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | Not enough history yet. | 6.5% | 81st |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | Not enough history yet. | 3.67% | 25th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | Not enough history yet. | 77.5% | 28th |
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 |
Peer lists, growth filters, CSV export, CRM push.
| 00.0% |
| 00.0% |
| Ratio | Value | Trend (1q) | 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 (1q) | 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 (1q) | 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 (1q) | 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 (1q) | 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 1 county across 1 state. Biggest market: Utah, UT, ranked 15th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Utah, UT | 6 | $321.5M* | 0.86% | 15th |
Utah: 57th with 0.03% · Provo-Orem-Lehi metro: 15th, 0.85% · * Deposits estimated (total shares spread across branches).