| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +5.8% | +0.9% | +4.8 pts |
| Loan growth (YoY) | +1.1% | -2.6% | +3.7 pts |
| ROA | 1.37% | 0.65% | +0.7 pts |
| ROE | 10.0% | 4.4% | +5.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.5M | $42.5M | $25.9M | $6.8M | $338K | 1.37% | 4.19% | 0.42% | 2,454 |
| Q1 2026 | $49.9M | $42.9M | $26.2M | $6.6M | $131K | 1.05% | 4.05% | 0.54% | 2,494 |
| Q4 2025 | $48.4M | $41.6M | $26.3M | $6.4M | $294K | 0.61% | 4.12% | 0.78% | 2,478 |
| Q3 2025 | $48.3M | $41.7M | $25.8M | $6.4M | $234K | 0.65% | 4.08% | 0.42% | 2,492 |
| Q2 2025 | $46.8M | $40.1M | $25.7M | $6.3M | $133K | 0.57% | 4.13% | 0.52% | 2,525 |
| Q1 2025 | $47.1M | $40.5M | $25.2M | $6.3M | $103K | 0.87% | 4.13% | 0.20% | 2,510 |
| Q4 2024 | $45.7M | $39.4M | $25.0M | $6.2M | $286K | 0.63% | 3.92% | 0.28% | 2,484 |
| Q3 2024 | $45.8M | $39.4M | $24.7M | $6.1M | $229K | 0.67% | 3.83% | 0.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,461 |
| Q2 2024 | $46.6M | $40.3M | $24.9M | $6.0M | $147K | 0.63% | 3.65% | 0.46% | 2,448 |
Loan mix (Q2 2026): real estate $8.3M · commercial $0 · consumer $17.4M · securities $19.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 80.6% | 27th |
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: Fresno, CA, ranked 30th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fresno, CA | 1 | $42.5M* | 0.16% | 30th |
California: 364th with 0.00% · Fresno metro: 30th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1