| Metric | Clarity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.1% | +6.7 pts |
| Share growth (YoY) | +12.0% | +3.5% | +8.4 pts |
| Loan growth (YoY) | +17.4% | +2.9% | +14.5 pts |
| ROA | 0.35% | 0.74% | -0.4 pts |
| ROE | 3.7% | 6.5% | -2.7 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $235.6M | $216.6M | $165.9M | $22.1M | $413K | 0.35% | 4.21% | 0.99% | 19,344 |
| Q1 2026 | $231.4M | $211.8M | $166.6M | $22.0M | $348K | 0.60% | 4.20% | 1.00% | 19,344 |
| Q4 2025 | $223.5M | $203.8M | $165.6M | $21.7M | $1.3M | 0.59% | 4.32% | 1.23% | 19,103 |
| Q3 2025 | $217.1M | $197.5M | $161.0M | $21.1M | $981K | 0.60% | 4.42% | 1.29% | 19,087 |
| Q2 2025 | $212.6M | $193.4M | $141.4M | $21.6M | $1.2M | 1.12% | 4.47% | 1.67% | 18,705 |
| Q1 2025 | $211.3M | $192.5M | $140.5M | $21.5M | $456K | 0.86% | 4.42% | 1.26% | 18,543 |
| Q4 2024 | $204.3M | $186.3M | $143.9M | $20.4M | $2.2M | 1.06% | 4.40% | 1.72% | 18,529 |
| Q3 2024 | $205.0M | $187.0M | $146.8M | $19.8M | $1.5M | 1.01% | 4.30% |
| Ratio | Clarity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.74% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.5% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.79% |
| 18,437 |
| Q2 2024 | $205.2M | $185.8M | $146.3M | $18.8M | $627K | 0.61% | 3.96% | 1.88% | 18,274 |
Loan mix (Q2 2026): real estate $59.9M · commercial $315K · consumer $86.8M · securities $16.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 77.5% | 69th |
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 | Clarity Credit Union | 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 | Clarity Credit Union | 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 | Clarity Credit Union | 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 | Clarity Credit Union | 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 | Clarity Credit Union | 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.
7 branches in 4 counties across 1 state (+1 vs 2025). Biggest market: Canyon, ID, ranked 18th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Canyon, ID | 3 | $92.8M* | 1.78% | 18th |
| Ada, ID | 2 | $61.9M* | 0.25% | 35th |
| Owyhee, ID | 1 | $30.9M* | 30.57% | 2nd |
| 1 more county with Pro → | ||||
Idaho: 45th with 0.32% · Boise City metro: 25th, 0.72% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 7