| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +4.2% | +0.9% | +3.3 pts |
| Loan growth (YoY) | +9.5% | -2.6% | +12.1 pts |
| ROA | 0.05% | 0.65% | -0.6 pts |
| ROE | 0.4% | 4.4% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.4M | $35.5M | $29.7M | $4.7M | $9K | 0.05% | 4.39% | 1.43% | 4,378 |
| Q1 2026 | $41.0M | $36.0M | $29.0M | $4.7M | $3K | 0.03% | 4.24% | 1.22% | 4,325 |
| Q4 2025 | $39.9M | $35.0M | $29.2M | $4.7M | $-51K | -0.13% | 3.91% | 1.38% | 4,346 |
| Q3 2025 | $39.5M | $34.5M | $29.2M | $4.7M | $-80K | -0.27% | 3.83% | 1.26% | 4,365 |
| Q2 2025 | $39.1M | $34.1M | $27.1M | $4.7M | $-102K | -0.52% | 3.71% | 1.54% | 3,053 |
| Q1 2025 | $39.0M | $34.3M | $26.2M | $4.7M | $-94K | -0.96% | 3.55% | 0.93% | 3,135 |
| Q4 2024 | $38.5M | $33.4M | $25.6M | $4.8M | $-12K | -0.03% | 3.61% | 0.83% | 3,165 |
| Q3 2024 | $38.4M | $33.5M | $26.0M | $4.8M | $-55K | -0.19% | 3.56% | 0.84% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,197 |
| Q2 2024 | $39.0M | $33.9M | $25.6M | $4.8M | $-29K | -0.15% | 3.58% | 0.63% | 3,231 |
Loan mix (Q2 2026): real estate $4.0M · commercial $0 · consumer $24.3M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.2% | 80.6% | 81st |
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 3 counties across 2 states (+1 vs 2025). Biggest market: Salt Lake, UT, ranked 106th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $11.8M* | 0.00% | 106th |
| Dawson, TX | 1 | $11.8M* | 1.85% | 4th |
| Gaines, TX | 1 | $11.8M* | 2.07% | 6th |
Texas: 707th with 0.00% · Utah: 133rd with 0.00% · Salt Lake City-Murray metro: 106th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3