| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +3.4% | +0.9% | +2.4 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.3 pts |
| ROA | 0.49% | 0.65% | -0.2 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.5M | $71.5M | $29.1M | $10.1M | $202K | 0.49% | 3.08% | 0.07% | 4,015 |
| Q1 2026 | $79.9M | $69.0M | $28.9M | $10.0M | $89K | 0.45% | 3.18% | 0.19% | 4,112 |
| Q4 2025 | $79.1M | $68.2M | $29.8M | $9.9M | $255K | 0.32% | 3.20% | 0.43% | 4,160 |
| Q3 2025 | $78.9M | $67.9M | $28.9M | $9.8M | $187K | 0.32% | 3.20% | 0.20% | 4,202 |
| Q2 2025 | $80.1M | $69.2M | $30.0M | $9.8M | $145K | 0.36% | 3.09% | 0.10% | 4,243 |
| Q1 2025 | $81.8M | $71.2M | $29.5M | $9.7M | $61K | 0.30% | 2.99% | 0.12% | 4,315 |
| Q4 2024 | $79.4M | $68.9M | $29.9M | $9.6M | $408K | 0.51% | 3.05% | 0.20% | 4,318 |
| Q3 2024 | $79.4M | $69.1M | $29.8M | $9.6M | $364K | 0.61% | 3.04% | 0.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,324 |
| Q2 2024 | $78.3M | $67.7M | $29.5M | $9.4M | $152K | 0.39% | 3.00% | 0.71% | 4,325 |
Loan mix (Q2 2026): real estate $12.0M · commercial $0 · consumer $14.3M · securities $34.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 80.6% | 63rd |
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 1 state (-1 vs 2025). Biggest market: Sacramento, CA, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sacramento, CA | 2 | $47.7M* | 0.05% | 40th |
| Placer, CA | 1 | $23.8M* | 0.13% | 36th |
California: 328th with 0.00% · Sacramento-Roseville-Folsom metro: 48th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 3