| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +5.1% | -3.1 pts |
| Share growth (YoY) | +4.4% | +4.9% | -0.4 pts |
| Loan growth (YoY) | +0.4% | +5.4% | -5.0 pts |
| ROA | 0.52% | 0.71% | -0.2 pts |
| ROE | 4.8% | 6.3% | -1.5 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.67B | $2.39B | $1.72B | $289.8M | $3.4M | 0.52% | 3.85% | 0.50% | 215,773 |
| Q4 2025 | $2.57B | $2.30B | $1.71B | $286.3M | $27.7M | 1.08% | 3.65% | 0.61% | 212,477 |
| Q3 2025 | $2.54B | $2.28B | $1.72B | $282.0M | $21.9M | 1.15% | 3.62% | 0.51% | 211,817 |
| Q2 2025 | $2.56B | $2.28B | $1.71B | $276.4M | $16.3M | 1.27% | 3.49% | 0.52% | 208,556 |
| Q1 2025 | $2.61B | $2.29B | $1.71B | $263.5M | $3.4M | 0.51% | 3.31% | 0.36% | 205,293 |
| Q4 2024 | $2.58B | $2.17B | $1.72B | $260.1M | $19.0M | 0.74% | 3.14% | 0.48% | 201,859 |
Loan mix (Q1 2026): real estate $579.9M · commercial $282.1M · consumer $809.3M · securities $583.5M
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.71% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 6.3% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.32% | 84th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 73.0% | 48th |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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.
24 branches in 1 county across 1 state. Biggest market: Riverside, CA, ranked 7th with 4.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Riverside, CA | 24 | $2.28B* | 4.49% | 7th |
California: 76th with 0.11% · Riverside-San Bernardino-Ontario metro: 9th, 2.32% · * Deposits estimated (total shares spread across branches).