| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.9 pts |
| Share growth (YoY) | +8.4% | +3.3% | +5.1 pts |
| Loan growth (YoY) | +26.6% | +2.9% | +23.7 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 3.4% | 5.9% | -2.5 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $157.9M | $126.2M | $126.4M | $30.2M | $258K | 0.65% | 1.82% | 0.73% | 1,910 |
| Q4 2025 | $152.5M | $121.1M | $123.8M | $30.0M | $934K | 0.61% | 1.72% | 0.75% | 1,911 |
| Q3 2025 | $148.1M | $117.0M | $114.4M | $29.6M | $608K | 0.55% | 1.70% | 3.80% | 1,885 |
| Q2 2025 | $146.5M | $115.6M | $102.4M | $29.4M | $380K | 0.52% | 1.71% | 1.12% | 1,883 |
| Q1 2025 | $149.2M | $116.4M | $99.8M | $29.1M | $100K | 0.27% | 1.42% | 0.94% | 1,884 |
| Q4 2024 | $147.3M | $116.5M | $98.1M | $29.0M | $893K | 0.61% | 1.49% | 1.18% | 1,872 |
| Q3 2024 | $147.7M | $117.4M | $94.5M | $28.7M | $505K | 0.46% | 1.42% | 2.15% | 1,859 |
| Q2 2024 | $141.3M | $111.3M | $92.8M | $28.6M | $415K | 0.59% | 1.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.21% |
| 1,859 |
Loan mix (Q1 2026): real estate $57.3M · commercial $68.1M · consumer $784K · securities $12.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 78.7% | 16th |
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 136th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $115.6M* | 0.02% | 136th |
California: 296th with 0.01% · Los Angeles-Long Beach-Anaheim metro: 153rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1