| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +5.5% | +0.9% | +4.6 pts |
| Loan growth (YoY) | +3.6% | -2.6% | +6.2 pts |
| ROA | 2.27% | 0.65% | +1.6 pts |
| ROE | 8.7% | 4.4% | +4.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.0M | $8.1M | $6.5M | $2.9M | $125K | 2.27% | 5.85% | 0.99% | 2,084 |
| Q1 2026 | $11.2M | $8.4M | $6.3M | $2.8M | $23K | 0.82% | 5.68% | 0.04% | 2,041 |
| Q4 2025 | $11.1M | $8.3M | $6.3M | $2.8M | $325K | 2.94% | 5.75% | 0.46% | 2,007 |
| Q3 2025 | $10.9M | $8.2M | $6.3M | $2.7M | $270K | 3.29% | 5.80% | 1.51% | 1,989 |
| Q2 2025 | $10.3M | $7.7M | $6.2M | $2.6M | $176K | 3.42% | 6.12% | 0.54% | 1,928 |
| Q1 2025 | $9.7M | $7.2M | $6.3M | $2.5M | $33K | 1.34% | 6.38% | 0.37% | 1,881 |
| Q4 2024 | $9.7M | $7.2M | $6.6M | $2.4M | $314K | 3.25% | 6.69% | 0.85% | 1,854 |
| Q3 2024 | $9.0M | $6.6M | $6.3M | $2.4M | $240K | 3.54% | 7.14% | 0.74% | 1,813 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.27% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.0M | $6.7M | $6.5M | $2.3M | $180K | 3.99% | 7.00% | 1.54% | 1,767 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.4M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 80.6% | 10th |
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: Orange, CA, ranked 102nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $8.1M* | 0.00% | 102nd |
California: 415th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 208th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1