| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.9% | +0.9% | +2.9 pts |
| Loan growth (YoY) | -7.3% | -2.6% | -4.6 pts |
| ROA | 1.76% | 0.65% | +1.1 pts |
| ROE | 8.5% | 4.4% | +4.1 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.7M | $60.7M | $26.8M | $15.9M | $674K | 1.76% | 2.69% | 0.93% | 2,956 |
| Q1 2026 | $76.1M | $60.6M | $26.9M | $15.6M | $318K | 1.67% | 2.68% | 0.79% | 2,983 |
| Q4 2025 | $74.9M | $59.7M | $27.4M | $15.3M | $1.2M | 1.62% | 2.84% | 1.41% | 2,996 |
| Q3 2025 | $73.4M | $58.4M | $28.1M | $15.1M | $1.0M | 1.84% | 2.90% | 1.62% | 3,023 |
| Q2 2025 | $73.3M | $58.5M | $28.9M | $14.8M | $768K | 2.10% | 2.89% | 1.21% | 3,046 |
| Q1 2025 | $71.1M | $56.7M | $28.3M | $14.4M | $388K | 2.18% | 2.93% | 0.99% | 3,058 |
| Q4 2024 | $70.5M | $56.5M | $30.3M | $14.0M | $852K | 1.21% | 2.49% | 2.14% | 3,098 |
| Q3 2024 | $69.3M | $55.6M | $32.4M | $13.8M | $586K | 1.13% | 2.38% | 1.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,122 |
| Q2 2024 | $69.0M | $55.5M | $34.2M | $13.5M | $264K | 0.76% | 2.22% | 1.14% | 3,133 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $23.8M · securities $43.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.9% | 80.6% | 1st |
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: Churchill, NV, ranked 6th with 5.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Churchill, NV | 1 | $60.7M* | 5.43% | 6th |
Nevada: 60th with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1