| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -4.8% | +0.9% | -5.7 pts |
| Loan growth (YoY) | -16.8% | -2.6% | -14.2 pts |
| ROA | 0.13% | 0.65% | -0.5 pts |
| ROE | 1.6% | 4.4% | -2.8 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.0M | $83.0M | $57.9M | $7.7M | $60K | 0.13% | 2.96% | 3.52% | 4,642 |
| Q1 2026 | $91.5M | $83.6M | $60.1M | $7.7M | $23K | 0.10% | 2.91% | 1.27% | 4,643 |
| Q4 2025 | $94.6M | $86.6M | $64.1M | $7.7M | $683K | 0.72% | 2.74% | 2.89% | 4,680 |
| Q3 2025 | $94.5M | $86.6M | $69.5M | $7.6M | $559K | 0.79% | 2.65% | 1.71% | 4,691 |
| Q2 2025 | $94.7M | $87.1M | $69.6M | $7.3M | $299K | 0.63% | 2.47% | 0.30% | 4,707 |
| Q1 2025 | $96.5M | $89.3M | $72.3M | $7.0M | $-16K | -0.07% | 2.41% | 2.99% | 4,765 |
| Q4 2024 | $93.5M | $86.1M | $73.8M | $7.0M | $-4K | -0.00% | 2.70% | 2.42% | 4,784 |
| Q3 2024 | $93.2M | $85.8M | $75.6M | $7.1M | $87K | 0.12% | 2.77% | 0.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,843 |
| Q2 2024 | $92.8M | $85.4M | $75.8M | $7.0M | $58K | 0.12% | 2.85% | 0.24% | 5,338 |
Loan mix (Q2 2026): real estate $45.5M · commercial $0 · consumer $12.2M · securities $9.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 80.6% | 73rd |
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 1 county across 1 state (-1 vs 2025). Biggest market: Ventura, CA, ranked 30th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ventura, CA | 2 | $83.0M* | 0.27% | 30th |
California: 320th with 0.00% · Oxnard-Thousand Oaks-Ventura metro: 30th, 0.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 2