| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +4.1% | -7.2 pts |
| Share growth (YoY) | +6.4% | +3.5% | +2.9 pts |
| Loan growth (YoY) | +3.7% | +2.9% | +0.8 pts |
| ROA | 1.11% | 0.74% | +0.4 pts |
| ROE | 8.9% | 6.5% | +2.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.7M | $192.6M | $197.0M | $29.0M | $1.3M | 1.11% | 4.26% | 0.34% | 16,354 |
| Q1 2026 | $236.0M | $196.3M | $189.6M | $28.8M | $1.0M | 1.78% | 4.13% | 0.35% | 16,353 |
| Q4 2025 | $232.0M | $190.0M | $191.7M | $28.2M | $833K | 0.36% | 3.88% | 1.16% | 16,226 |
| Q3 2025 | $233.7M | $190.0M | $189.3M | $28.0M | $407K | 0.23% | 4.02% | 0.95% | 16,210 |
| Q2 2025 | $240.2M | $181.0M | $190.1M | $28.0M | $471K | 0.39% | 3.90% | 1.86% | 15,847 |
| Q1 2025 | $243.0M | $176.4M | $193.8M | $27.6M | $44K | 0.07% | 3.91% | 0.83% | 15,716 |
| Q4 2024 | $240.1M | $173.1M | $197.4M | $27.6M | $1.1M | 0.44% | 4.19% | 0.64% | 15,744 |
| Q3 2024 | $246.8M | $177.3M | $198.5M | $27.6M | $865K | 0.47% | 4.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.74% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 6.5% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 15,616 |
| Q2 2024 | $238.7M | $169.5M | $195.2M | $27.5M | $779K | 0.65% | 4.14% | 0.77% | 15,474 |
Loan mix (Q2 2026): real estate $111.6M · commercial $38.9M · consumer $43.8M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 77.5% | 46th |
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.
4 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Guam, GU, ranked 7th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Guam, GU | 4 | $192.6M* | 3.01% | 7th |
GU: 7th with 3.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4