| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.1% | +1.7 pts |
| Share growth (YoY) | +3.1% | +3.5% | -0.5 pts |
| Loan growth (YoY) | +24.9% | +2.9% | +22.0 pts |
| ROA | -0.19% | 0.74% | -0.9 pts |
| ROE | -2.2% | 6.5% | -8.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.6M | $204.2M | $194.4M | $19.4M | $-217K | -0.19% | 2.68% | 0.28% | 11,008 |
| Q1 2026 | $224.4M | $200.2M | $183.1M | $19.3M | $-352K | -0.63% | 2.71% | 0.35% | 10,929 |
| Q4 2025 | $217.6M | $193.0M | $180.5M | $19.7M | $372K | 0.17% | 2.63% | 0.32% | 10,760 |
| Q3 2025 | $214.5M | $195.5M | $169.2M | $19.5M | $171K | 0.11% | 2.61% | 0.35% | 10,635 |
| Q2 2025 | $216.0M | $198.1M | $155.7M | $19.2M | $-147K | -0.14% | 2.49% | 0.23% | 10,658 |
| Q1 2025 | $217.4M | $197.9M | $140.8M | $19.3M | $-200K | -0.37% | 2.24% | 0.45% | 10,669 |
| Q4 2024 | $183.3M | $168.4M | $129.1M | $19.5M | $621K | 0.34% | 2.78% | 0.67% | 10,618 |
| Q3 2024 | $168.4M | $153.1M | $120.1M | $19.4M | $143K | 0.11% | 2.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.74% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -2.2% | 6.5% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.79% |
| 10,650 |
| Q2 2024 | $150.8M | $126.5M | $118.9M | $19.2M | $-37K | -0.05% | 3.37% | 0.94% | 10,712 |
Loan mix (Q2 2026): real estate $25.8M · commercial $122.1M · consumer $46.4M · securities $16.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.9% | 77.5% | 98th |
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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Los Angeles, CA, ranked 123rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 3 | $204.2M* | 0.04% | 123rd |
California: 257th with 0.01% · Los Angeles-Long Beach-Anaheim metro: 136th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 2 · 2026 3