| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.1% | +3.8 pts |
| Share growth (YoY) | +7.4% | +3.5% | +3.8 pts |
| Loan growth (YoY) | +4.0% | +2.9% | +1.1 pts |
| ROA | 1.52% | 0.74% | +0.8 pts |
| ROE | 10.2% | 6.5% | +3.7 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $285.5M | $242.2M | $182.1M | $42.6M | $2.2M | 1.52% | 3.51% | 1.39% | 10,125 |
| Q1 2026 | $280.0M | $237.9M | $178.7M | $41.4M | $1.0M | 1.47% | 3.48% | 0.94% | 10,067 |
| Q4 2025 | $278.9M | $237.7M | $173.7M | $40.4M | $4.2M | 1.52% | 3.34% | 0.89% | 10,021 |
| Q3 2025 | $274.7M | $234.7M | $173.4M | $39.4M | $3.2M | 1.54% | 3.33% | 0.42% | 9,979 |
| Q2 2025 | $264.5M | $225.5M | $175.2M | $38.2M | $2.0M | 1.49% | 3.39% | 1.06% | 9,898 |
| Q1 2025 | $261.4M | $223.4M | $168.6M | $37.1M | $961K | 1.47% | 3.31% | 1.08% | 9,840 |
| Q4 2024 | $253.4M | $216.6M | $164.1M | $36.2M | $2.2M | 0.85% | 2.67% | 0.96% | 9,827 |
| Q3 2024 | $249.0M | $211.9M | $165.4M | $36.4M | $2.4M | 1.26% | 3.08% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.74% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 6.5% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.61% |
| 9,772 |
| Q2 2024 | $238.6M | $202.1M | $168.5M | $35.4M | $1.4M | 1.14% | 3.12% | 1.59% | 9,698 |
Loan mix (Q2 2026): real estate $89.5M · commercial $45.5M · consumer $32.6M · securities $89.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 77.5% | 4th |
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.
7 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Idaho, ID, ranked 2nd with 25.1% of deposits.
Idaho: 40th with 0.36% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 7 · 2024 7 · 2025 7 · 2026 7