| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +1.3% | +8.8 pts |
| Share growth (YoY) | +10.8% | +0.9% | +9.9 pts |
| Loan growth (YoY) | +5.8% | -2.6% | +8.4 pts |
| ROA | 0.16% | 0.65% | -0.5 pts |
| ROE | 1.4% | 4.4% | -3.0 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.3M | $9.2M | $7.7M | $1.1M | $8K | 0.16% | 3.75% | 0.00% | 801 |
| Q1 2026 | $10.0M | $8.9M | $7.6M | $1.1M | $4K | 0.14% | 3.84% | 0.00% | 791 |
| Q4 2025 | $9.9M | $8.8M | $7.7M | $1.1M | $58K | 0.59% | 3.93% | 0.00% | 790 |
| Q3 2025 | $9.6M | $8.5M | $7.6M | $1.1M | $39K | 0.54% | 3.92% | 0.00% | 779 |
| Q2 2025 | $9.4M | $8.3M | $7.3M | $1.1M | $24K | 0.50% | 3.87% | 0.00% | 758 |
| Q1 2025 | $9.2M | $8.2M | $6.7M | $1.1M | $7K | 0.32% | 3.82% | 0.00% | 750 |
| Q4 2024 | $8.9M | $7.8M | $7.0M | $1.1M | $40K | 0.46% | 3.84% | 0.00% | 740 |
| Q3 2024 | $8.8M | $7.9M | $7.1M | $1.1M | $9K | 0.14% | 3.54% | 0.04% | 722 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $8.6M |
| $7.6M |
| $7.2M |
| $1.0M |
| $8K |
| 0.18% |
| 3.61% |
| 0.00% |
| 746 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $4.4M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 80.6% | 74th |
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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Utah, UT, ranked 29th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Utah, UT | 2 | $6.1M* | 0.02% | 29th |
| Racine, WI | 1 | $3.1M* | 0.05% | 25th |
Utah: 150th with 0.00% · Wisconsin: 315th with 0.00% · Provo-Orem-Lehi metro: 31st, 0.02% · Racine-Mount Pleasant metro: 25th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 2 · 2025 2 · 2026 3