| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +5.1% | -7.5 pts |
| Share growth (YoY) | +0.5% | +4.9% | -4.3 pts |
| Loan growth (YoY) | +1.1% | +5.4% | -4.4 pts |
| ROA | -0.18% | 0.71% | -0.9 pts |
| ROE | -2.3% | 6.3% | -8.6 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.77B | $1.49B | $1.28B | $140.6M | $-815K | -0.18% | 3.53% | 0.59% | 83,931 |
| Q4 2025 | $1.77B | $1.47B | $1.27B | $141.4M | $5.1M | 0.29% | 3.27% | 0.68% | 83,113 |
| Q3 2025 | $1.77B | $1.47B | $1.28B | $140.5M | $3.4M | 0.25% | 3.19% | 0.62% | 82,257 |
| Q2 2025 | $1.78B | $1.47B | $1.28B | $139.2M | $2.0M | 0.23% | 3.04% | 1.40% | 81,048 |
| Q1 2025 | $1.81B | $1.48B | $1.27B | $138.3M | $1.1M | 0.24% | 2.92% | 1.32% | 80,247 |
| Q4 2024 | $1.81B | $1.45B | $1.26B | $137.2M | $391K | 0.02% | 2.74% | 0.52% | 79,394 |
| Q3 2024 | $1.80B | $1.45B | $1.26B | $137.6M | $-107K | -0.01% | 2.71% | 0.43% | 79,045 |
| Q2 2024 | $1.83B | $1.47B | $1.27B | $137.1M | $-603K | -0.07% | 2.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.18% | 0.71% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -2.3% | 6.3% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 78,100 |
Loan mix (Q1 2026): real estate $394.0M · commercial $235.6M · consumer $583.4M · securities $183.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 73.0% | 82nd |
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 0 counties across 1 state (-1 vs 2024).
| County | Branches | Deposits | Share | Rank |
|---|
California: 103rd with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2024 12 · 2025 11