| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | +7.0% | +0.9% | +6.0 pts |
| Loan growth (YoY) | -1.2% | -2.6% | +1.4 pts |
| ROA | -0.36% | 0.65% | -1.0 pts |
| ROE | -4.2% | 4.4% | -8.6 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.1M | $32.8M | $25.2M | $3.1M | $-64K | -0.36% | 5.21% | 0.07% | 3,623 |
| Q1 2026 | $36.4M | $33.3M | $25.1M | $3.0M | $-93K | -1.02% | 5.00% | 0.51% | 3,620 |
| Q4 2025 | $33.9M | $30.5M | $25.3M | $3.1M | $75K | 0.22% | 5.55% | 0.30% | 3,610 |
| Q3 2025 | $34.9M | $31.6M | $24.9M | $3.1M | $40K | 0.15% | 5.37% | 0.23% | 3,581 |
| Q2 2025 | $34.1M | $30.6M | $25.5M | $3.1M | $31K | 0.18% | 5.43% | 0.21% | 3,578 |
| Q1 2025 | $34.4M | $31.0M | $26.0M | $3.0M | $-27K | -0.31% | 5.39% | 0.24% | 3,558 |
| Q4 2024 | $24.9M | $21.8M | $21.5M | $2.5M | $152K | 0.61% | 5.81% | 0.13% | 2,693 |
| Q3 2024 | $25.5M | $22.9M | $21.2M | $2.4M | $85K | 0.44% | 5.68% | 0.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -4.2% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,690 |
| Q2 2024 | $25.8M | $23.2M | $21.6M | $2.4M | $53K | 0.41% | 5.54% | 0.03% | 2,673 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $23.7M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.3% | 80.6% | 90th |
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 1 state (+0 vs 2025). Biggest market: Monterey, CA, ranked 19th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monterey, CA | 1 | $16.4M* | 0.12% | 19th |
| Santa Cruz, CA | 1 | $16.4M* | 0.17% | 13th |
California: 379th with 0.00% · Santa Cruz-Watsonville metro: 13th, 0.17% · Salinas metro: 19th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2