| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +1.3% | +9.2 pts |
| Share growth (YoY) | +7.9% | +0.7% | +7.2 pts |
| Loan growth (YoY) | +11.5% | -2.4% | +13.9 pts |
| ROA | -0.06% | 0.60% | -0.7 pts |
| ROE | -0.5% | 4.1% | -4.6 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.1M | $18.6M | $11.4M | $2.6M | $-3K | -0.06% | 3.36% | 1.13% | 1,329 |
| Q4 2025 | $20.3M | $17.4M | $10.6M | $2.6M | $87K | 0.43% | 3.89% | 2.75% | 1,343 |
| Q3 2025 | $20.2M | $17.4M | $10.6M | $2.6M | $73K | 0.48% | 3.86% | 1.67% | 1,342 |
| Q2 2025 | $21.0M | $18.0M | $10.5M | $2.5M | $32K | 0.31% | 3.65% | 1.40% | 1,349 |
| Q1 2025 | $20.0M | $17.2M | $10.2M | $2.5M | $30K | 0.61% | 3.83% | 1.04% | 1,346 |
| Q4 2024 | $20.3M | $17.5M | $10.4M | $2.5M | $280K | 1.38% | 3.54% | 1.46% | 1,350 |
| Q3 2024 | $20.0M | $17.6M | $10.2M | $2.3M | $47K | 0.32% | 3.54% | 1.31% | 1,352 |
| Q2 2024 | $20.5M | $17.4M | $10.2M | $2.3M | $43K | 0.42% | 3.43% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,354 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $5.8M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.6% | 81.5% | 76th |
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 2024). Biggest market: Snohomish, WA, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Snohomish, WA | 1 | $18.0M* | 0.07% | 37th |
Washington: 147th with 0.01% · Seattle-Tacoma-Bellevue metro: 82nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1