| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.6% | +1.3% | -6.9 pts |
| Share growth (YoY) | -4.3% | +0.9% | -5.2 pts |
| Loan growth (YoY) | +6.6% | -2.6% | +9.3 pts |
| ROA | -0.03% | 0.65% | -0.7 pts |
| ROE | -0.2% | 4.4% | -4.6 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.9M | $27.9M | $12.5M | $4.1M | $-4K | -0.03% | 2.87% | 1.69% | 1,755 |
| Q1 2026 | $34.6M | $30.6M | $12.9M | $4.1M | $-20K | -0.23% | 2.46% | 0.17% | 1,773 |
| Q4 2025 | $33.6M | $29.2M | $13.4M | $4.1M | $18K | 0.05% | 2.35% | 0.07% | 1,785 |
| Q3 2025 | $34.0M | $29.5M | $12.9M | $4.1M | $5K | 0.02% | 2.27% | 0.06% | 1,815 |
| Q2 2025 | $33.8M | $29.1M | $11.7M | $4.1M | $993 | 0.01% | 2.21% | 0.00% | 1,830 |
| Q1 2025 | $35.0M | $31.0M | $11.8M | $4.1M | $-8K | -0.09% | 2.09% | 0.05% | 1,831 |
| Q4 2024 | $33.6M | $29.6M | $11.9M | $4.1M | $33K | 0.10% | 2.37% | 0.08% | 1,870 |
| Q3 2024 | $34.2M | $30.1M | $11.7M | $4.1M | $41K | 0.16% | 2.36% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,795 |
| Q2 2024 | $34.7M | $31.0M | $12.4M | $4.1M | $33K | 0.19% | 2.26% | 0.01% | 1,932 |
Loan mix (Q2 2026): real estate $7.6M · commercial $0 · consumer $4.7M · securities $17.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.6% | 80.6% | 80th |
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: Orange, CA, ranked 98th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $27.9M* | 0.02% | 98th |
California: 387th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 199th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1