| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.1% | -1.5 pts |
| Share growth (YoY) | +2.3% | +3.5% | -1.3 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.2 pts |
| ROA | 0.23% | 0.74% | -0.5 pts |
| ROE | 1.9% | 6.5% | -4.6 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $178.8M | $150.6M | $134.7M | $21.9M | $204K | 0.23% | 3.87% | 1.39% | 12,565 |
| Q1 2026 | $179.2M | $151.0M | $134.3M | $21.8M | $51K | 0.11% | 3.87% | 0.78% | 12,637 |
| Q4 2025 | $178.3M | $150.4M | $131.6M | $21.8M | $960K | 0.54% | 3.84% | 1.70% | 12,606 |
| Q3 2025 | $177.4M | $150.0M | $129.3M | $21.6M | $781K | 0.59% | 3.86% | 1.97% | 12,581 |
| Q2 2025 | $174.2M | $147.2M | $131.3M | $21.4M | $532K | 0.61% | 3.93% | 1.46% | 12,573 |
| Q1 2025 | $175.9M | $149.1M | $130.8M | $21.1M | $232K | 0.53% | 3.87% | 0.43% | 12,564 |
| Q4 2024 | $174.0M | $147.9M | $133.1M | $20.9M | $753K | 0.43% | 3.92% | 0.53% | 12,552 |
| Q3 2024 | $176.5M | $151.0M | $135.0M | $20.6M | $381K | 0.29% | 3.87% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.74% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 6.5% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 12,601 |
| Q2 2024 | $178.6M | $155.0M | $132.0M | $19.9M | $183K | 0.21% | 3.78% | 2.20% | 12,643 |
Loan mix (Q2 2026): real estate $97.7M · commercial $936K · consumer $35.5M · securities $21.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 77.5% | 86th |
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 2025). Biggest market: Los Angeles, CA, ranked 130th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $150.6M* | 0.03% | 130th |
California: 278th with 0.01% · Los Angeles-Long Beach-Anaheim metro: 145th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1