| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.4 pts |
| Loan growth (YoY) | -6.6% | -2.6% | -4.0 pts |
| ROA | 0.18% | 0.65% | -0.5 pts |
| ROE | 1.4% | 4.4% | -3.0 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.1M | $48.8M | $37.8M | $7.3M | $52K | 0.18% | 3.92% | 1.31% | 4,431 |
| Q1 2026 | $55.8M | $48.4M | $39.2M | $7.4M | $109K | 0.78% | 3.90% | 1.19% | 4,455 |
| Q4 2025 | $54.8M | $47.4M | $39.1M | $7.3M | $256K | 0.47% | 4.12% | 0.96% | 4,491 |
| Q3 2025 | $55.6M | $48.3M | $39.6M | $7.3M | $274K | 0.66% | 4.10% | 2.06% | 4,504 |
| Q2 2025 | $55.8M | $48.5M | $40.5M | $7.2M | $203K | 0.73% | 4.07% | 1.48% | 4,508 |
| Q1 2025 | $54.8M | $47.6M | $41.2M | $7.1M | $77K | 0.56% | 4.08% | 0.22% | 4,497 |
| Q4 2024 | $54.0M | $46.9M | $38.4M | $7.0M | $623K | 1.15% | 4.45% | 0.25% | 4,541 |
| Q3 2024 | $52.8M | $45.8M | $39.3M | $6.9M | $494K | 1.25% | 4.60% | 0.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,564 |
| Q2 2024 | $52.3M | $45.7M | $40.2M | $6.6M | $174K | 0.67% | 4.59% | 1.53% | 4,540 |
Loan mix (Q2 2026): real estate $24.6M · commercial $0 · consumer $12.4M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 80.6% | 40th |
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: Walla Walla, WA, ranked 11th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Walla Walla, WA | 1 | $48.8M* | 2.16% | 11th |
Washington: 128th with 0.02% · Walla Walla metro: 11th, 2.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1