| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +2.2% | +0.9% | +1.3 pts |
| Loan growth (YoY) | -16.8% | -2.6% | -14.2 pts |
| ROA | 0.38% | 0.65% | -0.3 pts |
| ROE | 3.1% | 4.4% | -1.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.1M | $26.4M | $14.0M | $3.6M | $57K | 0.38% | 3.43% | 0.03% | 2,035 |
| Q1 2026 | $29.4M | $25.5M | $14.1M | $3.5M | $82K | 1.11% | 4.39% | 0.04% | 2,034 |
| Q4 2025 | $28.8M | $25.3M | $14.9M | $3.4M | $420K | 1.46% | 4.66% | 0.20% | 2,046 |
| Q3 2025 | $29.2M | $25.8M | $16.0M | $3.3M | $310K | 1.41% | 4.57% | 0.17% | 2,072 |
| Q2 2025 | $29.3M | $25.9M | $16.8M | $3.2M | $192K | 1.31% | 4.49% | 0.28% | 2,085 |
| Q1 2025 | $29.9M | $26.7M | $16.4M | $3.1M | $67K | 0.90% | 4.31% | 0.28% | 2,084 |
| Q4 2024 | $29.3M | $25.9M | $16.7M | $3.0M | $321K | 1.10% | 4.15% | 0.16% | 2,088 |
| Q3 2024 | $30.2M | $27.3M | $16.8M | $2.9M | $180K | 0.80% | 3.93% | 0.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,128 |
| Q2 2024 | $30.4M | $27.6M | $17.2M | $2.8M | $90K | 0.59% | 3.72% | 0.01% | 2,156 |
Loan mix (Q2 2026): real estate $6.1M · commercial $0 · consumer $7.4M · securities $11.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 80.6% | 67th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Kern, CA, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kern, CA | 2 | $26.4M* | 0.16% | 28th |
California: 389th with 0.00% · Bakersfield-Delano metro: 28th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 2 · 2025 2 · 2026 2