| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.7 pts |
| Share growth (YoY) | +7.5% | +0.9% | +6.6 pts |
| Loan growth (YoY) | +8.6% | -2.6% | +11.2 pts |
| ROA | -0.72% | 0.65% | -1.4 pts |
| ROE | -6.9% | 4.4% | -11.3 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.9M | $6.2M | $4.1M | $722K | $-25K | -0.72% | 4.80% | 0.00% | 1,053 |
| Q1 2026 | $6.8M | $6.1M | $3.8M | $736K | $-11K | -0.65% | 4.85% | 1.05% | 1,064 |
| Q4 2025 | $6.4M | $5.7M | $3.9M | $747K | $-12K | -0.18% | 5.34% | 2.31% | 1,082 |
| Q3 2025 | $6.6M | $5.8M | $3.6M | $763K | $4K | 0.09% | 5.21% | 0.64% | 1,113 |
| Q2 2025 | $6.5M | $5.7M | $3.7M | $758K | $-188 | -0.01% | 5.08% | 1.42% | 1,143 |
| Q1 2025 | $6.8M | $6.0M | $3.9M | $760K | $2K | 0.11% | 4.77% | 0.25% | 1,161 |
| Q4 2024 | $6.8M | $6.1M | $4.2M | $759K | $77K | 1.13% | 5.33% | 1.04% | 1,165 |
| Q3 2024 | $7.1M | $6.3M | $4.4M | $749K | $67K | 1.26% | 5.17% | 0.00% | 1,179 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.72% | 0.65% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -6.9% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.0M | $6.2M | $4.6M | $723K | $41K | 1.19% | 5.16% | 0.06% | 1,199 |
Loan mix (Q2 2026): real estate $4K · commercial $0 · consumer $3.5M · securities $962K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 80.6% | 79th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Salt Lake, UT, ranked 133rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $3.1M* | 0.00% | 133rd |
| Fond du Lac, WI | 1 | $3.1M* | 0.09% | 19th |
Utah: 162nd with 0.00% · Wisconsin: 314th with 0.00% · Salt Lake City-Murray metro: 133rd, 0.00% · Fond du Lac metro: 19th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2