| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.4% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -2.7% | -2.4% | -0.3 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.1M | $36.8M | $28.2M | $8.9M | $109K | 0.95% | 2.92% | 0.00% | 1,980 |
| Q4 2025 | $46.9M | $37.7M | $28.3M | $8.8M | $342K | 0.73% | 2.95% | 0.01% | 2,003 |
| Q3 2025 | $47.2M | $38.0M | $28.7M | $8.8M | $297K | 0.84% | 2.92% | 0.04% | 2,044 |
| Q2 2025 | $47.9M | $38.9M | $29.1M | $8.7M | $191K | 0.80% | 2.82% | 0.01% | 2,077 |
| Q1 2025 | $46.2M | $37.3M | $29.0M | $8.6M | $104K | 0.90% | 2.94% | 0.00% | 2,086 |
| Q4 2024 | $44.7M | $36.0M | $29.9M | $8.5M | $-31K | -0.07% | 3.26% | 0.05% | 2,095 |
| Q3 2024 | $43.4M | $34.9M | $30.1M | $8.3M | $-233K | -0.72% | 3.36% | 0.00% | 2,106 |
| Q2 2024 | $43.9M | $35.6M | $30.5M | $8.8M | $-360K | -1.64% | 3.35% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,142 |
Loan mix (Q1 2026): real estate $26.1M · commercial $30K · consumer $1.7M · securities $15.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 81.5% | 30th |
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 2024). Biggest market: Los Angeles, CA, ranked 166th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $38.9M* | 0.01% | 166th |
California: 365th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 189th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1