| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +7.3% | +0.9% | +6.4 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.3 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 3.3% | 4.4% | -1.1 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.2M | $72.9M | $53.9M | $7.2M | $118K | 0.29% | 3.33% | 0.53% | 4,868 |
| Q1 2026 | $79.9M | $72.4M | $54.2M | $7.2M | $39K | 0.20% | 3.28% | 0.05% | 4,870 |
| Q4 2025 | $77.6M | $70.0M | $55.0M | $7.1M | $126K | 0.16% | 3.29% | 0.85% | 4,860 |
| Q3 2025 | $77.7M | $70.3M | $55.3M | $7.1M | $92K | 0.16% | 3.24% | 1.11% | 4,867 |
| Q2 2025 | $75.1M | $67.9M | $55.5M | $7.1M | $54K | 0.14% | 3.30% | 0.07% | 4,830 |
| Q1 2025 | $76.8M | $70.9M | $55.6M | $7.0M | $25K | 0.13% | 3.19% | 0.11% | 4,838 |
| Q4 2024 | $75.9M | $69.0M | $56.1M | $7.0M | $-50K | -0.07% | 2.84% | 0.13% | 4,812 |
| Q3 2024 | $76.4M | $69.4M | $56.4M | $6.9M | $-153K | -0.27% | 2.76% | 0.10% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,815 |
| Q2 2024 | $77.8M | $67.7M | $56.9M | $7.0M | $-98K | -0.25% | 2.62% | 0.11% | 4,708 |
Loan mix (Q2 2026): real estate $40.8M · commercial $0 · consumer $12.8M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 80.6% | 68th |
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 (+2 vs 2025). Biggest market: Los Angeles, CA, ranked 160th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $48.6M* | 0.01% | 160th |
| Salt Lake, UT | 1 | $24.3M* | 0.00% | 87th |
California: 355th with 0.00% · Utah: 114th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 182nd, 0.01% · Salt Lake City-Murray metro: 87th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 3