| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.8% | -3.4 pts |
| Share growth (YoY) | +0.1% | +4.3% | -4.2 pts |
| Loan growth (YoY) | +5.9% | +4.3% | +1.6 pts |
| ROA | 0.70% | 0.62% | +0.1 pts |
| ROE | 4.9% | 5.9% | -1.0 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $613.8M | $522.8M | $440.3M | $86.8M | $1.1M | 0.70% | 4.02% | 1.23% | 37,628 |
| Q4 2025 | $610.8M | $521.4M | $444.2M | $85.4M | $3.4M | 0.55% | 4.07% | 1.36% | 37,775 |
| Q3 2025 | $609.1M | $521.3M | $454.4M | $85.0M | $2.8M | 0.60% | 4.05% | 1.13% | 37,946 |
| Q2 2025 | $603.9M | $517.0M | $444.5M | $84.3M | $2.1M | 0.68% | 4.06% | 1.10% | 37,654 |
| Q1 2025 | $605.5M | $522.2M | $415.8M | $83.0M | $761K | 0.50% | 3.94% | 1.26% | 37,014 |
| Q4 2024 | $593.1M | $511.1M | $414.8M | $82.3M | $3.0M | 0.51% | 3.61% | 1.39% | 37,142 |
| Q3 2024 | $595.6M | $512.6M | $391.1M | $82.0M | $2.5M | 0.56% | 3.50% | 1.43% | 37,357 |
| Q2 2024 | $567.4M | $489.8M | $384.7M | $79.9M | $1.5M | 0.52% | 3.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.62% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.34% |
| 35,735 |
Loan mix (Q1 2026): real estate $97.0M · commercial $66.9M · consumer $221.4M · securities $48.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 78.3% | 29th |
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.
11 branches in 6 counties across 1 state (+1 vs 2024). Biggest market: Linn, OR, ranked 6th with 7.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Linn, OR | 4 | $188.0M* | 7.55% | 6th |
| Marion, OR | 2 | $94.0M* | 0.99% | 17th |
| Benton, OR | 2 | $94.0M* | 2.91% | 11th |
| 3 more counties with Pro → | ||||
Oregon: 37th with 0.37% · Albany metro: 6th, 7.55% · Corvallis metro: 11th, 2.91% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 9 · 2024 10 · 2025 11