| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -29.0% | +1.3% | -30.3 pts |
| Share growth (YoY) | 0.0% | +0.9% | -0.9 pts |
| Loan growth (YoY) | — | -2.6% | — |
| ROA | 1.35% | 0.65% | +0.7 pts |
| ROE | 1.3% | 4.4% | -3.0 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $166K | $115 | $0 | $166K | $1K | 1.35% | 3.06% | — | 16 |
| Q1 2026 | $165K | $115 | $0 | $165K | $398 | 0.97% | 1.13% | — | 16 |
| Q4 2025 | $165K | $115 | $0 | $164K | $4K | 2.48% | 4.11% | — | 16 |
| Q3 2025 | $177K | $115 | $0 | $164K | $4K | 2.82% | 3.77% | — | 16 |
| Q2 2025 | $234K | $115 | $0 | $162K | $2K | 1.30% | 1.70% | — | 16 |
| Q1 2025 | $184K | $115 | $0 | $161K | $652 | 1.42% | 2.01% | — | 16 |
| Q4 2024 | $160K | $115 | $0 | $160K | $2K | 1.40% | 2.86% | — | 16 |
| Q3 2024 | $170K | $115 | $0 | $161K | $3K | 2.11% | 3.18% | — | 16 |
| Q2 2024 | $267K |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.65% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $115 |
| $0 |
| $160K |
| $2K |
| 1.19% |
| 1.68% |
| — |
| 16 |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 80.6% | 8th |
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: Salt Lake, UT, ranked 142nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $115* | 0.00% | 142nd |
Utah: 177th with 0.00% · Salt Lake City-Murray metro: 142nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1