| Metric | Cahp Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.1% | +4.6 pts |
| Share growth (YoY) | +8.6% | +3.5% | +5.1 pts |
| Loan growth (YoY) | -3.3% | +2.9% | -6.1 pts |
| ROA | 0.74% | 0.74% | +0.0 pts |
| ROE | 8.3% | 6.5% | +1.8 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $406.7M | $367.7M | $275.5M | $36.2M | $1.5M | 0.74% | 3.75% | 0.10% | 22,729 |
| Q1 2026 | $404.0M | $365.7M | $280.3M | $35.4M | $697K | 0.69% | 3.66% | 0.07% | 22,695 |
| Q4 2025 | $391.7M | $354.3M | $287.6M | $34.7M | $3.3M | 0.84% | 3.83% | 0.08% | 22,578 |
| Q3 2025 | $382.6M | $346.1M | $288.5M | $33.8M | $2.4M | 0.85% | 3.87% | 0.07% | 22,722 |
| Q2 2025 | $374.2M | $338.5M | $284.8M | $33.0M | $1.6M | 0.85% | 3.90% | 0.05% | 22,422 |
| Q1 2025 | $361.6M | $327.2M | $278.4M | $32.0M | $673K | 0.74% | 3.91% | 0.08% | 22,274 |
| Q4 2024 | $348.3M | $314.1M | $281.7M | $31.4M | $3.7M | 1.05% | 4.14% | 0.11% | 22,150 |
| Q3 2024 | $343.2M | $310.1M | $283.7M | $30.6M | $2.9M | 1.14% | 4.16% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cahp Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.74% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 6.5% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.14% |
| 21,952 |
| Q2 2024 | $337.9M | $305.0M | $285.2M | $29.8M | $2.1M | 1.24% | 4.18% | 0.12% | 21,781 |
Loan mix (Q2 2026): real estate $53.8M · commercial $4.3M · consumer $190.6M · securities $39.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 77.5% | 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 | Cahp Credit Union | 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 | Cahp Credit Union | 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 | Cahp Credit Union | 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 | Cahp Credit Union | 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 | Cahp Credit Union | 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 2 counties across 1 state (+0 vs 2025). Biggest market: Sacramento, CA, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sacramento, CA | 1 | $183.8M* | 0.21% | 28th |
| San Bernardino, CA | 1 | $183.8M* | 0.37% | 29th |
California: 216th with 0.02% · Sacramento-Roseville-Folsom metro: 37th, 0.15% · Riverside-San Bernardino-Ontario metro: 41st, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2