| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.2 pts |
| Loan growth (YoY) | -9.2% | -2.6% | -6.6 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.0M | $47.8M | $18.8M | $7.8M | $243K | 0.87% | 3.62% | 1.59% | 3,010 |
| Q1 2026 | $54.5M | $46.4M | $19.3M | $7.7M | $127K | 0.93% | 3.59% | 1.20% | 3,016 |
| Q4 2025 | $53.7M | $45.6M | $20.3M | $7.6M | $557K | 1.04% | 3.60% | 1.30% | 3,007 |
| Q3 2025 | $53.2M | $45.1M | $21.0M | $7.4M | $403K | 1.01% | 3.57% | 1.52% | 3,005 |
| Q2 2025 | $53.3M | $45.9M | $20.7M | $7.2M | $179K | 0.67% | 3.45% | 1.24% | 3,001 |
| Q1 2025 | $53.5M | $46.3M | $21.0M | $7.1M | $74K | 0.56% | 3.29% | 0.96% | 3,012 |
| Q4 2024 | $52.7M | $45.4M | $20.5M | $7.0M | $45K | 0.09% | 2.88% | 1.01% | 3,018 |
| Q3 2024 | $52.0M | $45.2M | $21.1M | $6.9M | $-60K | -0.15% | 2.90% | 0.80% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,992 |
| Q2 2024 | $52.0M | $45.4M | $22.2M | $7.0M | $-26K | -0.10% | 2.81% | 0.04% | 2,984 |
Loan mix (Q2 2026): real estate $1.6M · commercial $0 · consumer $16.9M · securities $24.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 80.6% | 44th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Salt Lake, UT, ranked 88th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $23.9M* | 0.00% | 88th |
| Mecklenburg, NC | 1 | $23.9M* | 0.01% | 51st |
North Carolina: 144th with 0.00% · Utah: 115th with 0.00% · Salt Lake City-Murray metro: 88th, 0.00% · Charlotte-Concord-Gastonia metro: 69th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2