| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +4.7% | +6.9 pts |
| Share growth (YoY) | +14.0% | +4.2% | +9.8 pts |
| Loan growth (YoY) | +9.6% | +4.3% | +5.3 pts |
| ROA | 0.47% | 0.75% | -0.3 pts |
| ROE | 5.4% | 6.9% | -1.5 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $819.8M | $729.1M | $647.0M | $71.4M | $1.9M | 0.47% | 2.84% | 0.58% | 155,301 |
| Q1 2026 | $818.4M | $726.0M | $627.2M | $71.0M | $1.1M | 0.53% | 2.78% | 1.00% | 150,078 |
| Q4 2025 | $801.7M | $711.6M | $610.4M | $70.4M | $6.0M | 0.74% | 2.71% | 1.60% | 145,199 |
| Q3 2025 | $770.4M | $678.0M | $589.6M | $69.3M | $4.8M | 0.83% | 2.77% | 0.42% | 125,015 |
| Q2 2025 | $734.9M | $639.7M | $590.1M | $68.1M | $3.7M | 1.01% | 2.84% | 0.37% | 102,572 |
| Q1 2025 | $714.3M | $620.4M | $559.4M | $65.1M | $654K | 0.37% | 2.81% | 0.32% | 91,156 |
| Q4 2024 | $688.8M | $589.3M | $536.0M | $64.9M | $3.4M | 0.50% | 2.58% | 0.29% | 80,912 |
| Q3 2024 | $647.9M | $552.4M | $506.3M | $64.5M | $2.9M | 0.61% | 2.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.75% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 6.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 69,467 |
| Q2 2024 | $654.5M | $577.9M | $471.7M | $62.7M | $1.2M | 0.36% | 2.73% | 0.22% | 71,032 |
Loan mix (Q2 2026): real estate $105.0M · commercial $375.4M · consumer $158.8M · securities $64.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 77.1% | 47th |
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: Los Angeles, CA, ranked 59th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $729.1M* | 0.13% | 59th |
California: 166th with 0.03% · Los Angeles-Long Beach-Anaheim metro: 75th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1