| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -2.0% | +0.9% | -2.9 pts |
| Loan growth (YoY) | -30.2% | -2.6% | -27.6 pts |
| ROA | -1.32% | 0.65% | -2.0 pts |
| ROE | -5.0% | 4.4% | -9.4 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.1M | $2.2M | $131K | $811K | $-20K | -1.32% | 2.47% | 0.00% | 203 |
| Q1 2026 | $3.0M | $2.1M | $146K | $823K | $-9K | -1.18% | 2.52% | 0.00% | 196 |
| Q4 2025 | $3.1M | $2.2M | $146K | $832K | $-32K | -1.04% | 2.66% | 0.00% | 194 |
| Q3 2025 | $3.1M | $2.2M | $164K | $835K | $-29K | -1.25% | 2.73% | 0.00% | 196 |
| Q2 2025 | $3.1M | $2.2M | $188K | $839K | $-25K | -1.57% | 2.55% | 0.00% | 202 |
| Q1 2025 | $3.2M | $2.2M | $209K | $850K | $-14K | -1.70% | 2.49% | 2.63% | 204 |
| Q4 2024 | $3.2M | $2.3M | $228K | $864K | $-26K | -0.82% | 2.39% | 0.00% | 209 |
| Q3 2024 | $3.2M | $2.3M | $247K | $876K | $-12K | -0.51% | 2.77% | 0.00% | 214 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.32% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -5.0% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.3M | $2.4M | $250K | $886K | $-5K | -0.32% | 2.71% | 0.00% | 215 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $113K · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 153.6% | 80.6% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Los Angeles, CA, ranked 187th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $2.2M* | 0.00% | 187th |
California: 430th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 214th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1