| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +6.5% | +0.9% | +5.5 pts |
| Loan growth (YoY) | -5.8% | -2.6% | -3.2 pts |
| ROA | 0.37% | 0.65% | -0.3 pts |
| ROE | 1.9% | 4.4% | -2.5 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.2M | $7.3M | $3.2M | $1.8M | $17K | 0.37% | 2.88% | 0.95% | 770 |
| Q1 2026 | $9.1M | $7.2M | $3.4M | $1.8M | $9K | 0.38% | 2.92% | 0.12% | 814 |
| Q4 2025 | $8.5M | $6.7M | $3.4M | $1.7M | $43K | 0.50% | 3.17% | 1.13% | 808 |
| Q3 2025 | $8.4M | $6.6M | $3.5M | $1.7M | $41K | 0.65% | 3.20% | 0.14% | 802 |
| Q2 2025 | $8.7M | $6.9M | $3.4M | $1.7M | $28K | 0.64% | 3.04% | 0.56% | 841 |
| Q1 2025 | $8.7M | $6.9M | $3.5M | $1.7M | $16K | 0.75% | 2.96% | 0.15% | 840 |
| Q4 2024 | $8.6M | $6.9M | $3.5M | $1.7M | $65K | 0.75% | 3.34% | 0.95% | 831 |
| Q3 2024 | $8.7M | $6.9M | $3.5M | $1.7M | $52K | 0.80% | 3.40% | 0.00% | 823 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $8.8M |
| $7.0M |
| $3.5M |
| $1.7M |
| $38K |
| 0.85% |
| 3.37% |
| 0.00% |
| 989 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.2M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 80.6% | 66th |
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.
3 branches in 3 counties across 3 states (+2 vs 2025). Biggest market: Salt Lake, UT, ranked 135th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $2.4M* | 0.00% | 135th |
| Genesee, MI | 1 | $2.4M* | 0.02% | 30th |
| Providence, RI | 1 | $2.4M* | 0.01% | 25th |
Michigan: 306th with 0.00% · Rhode Island: 32nd with 0.00% · Utah: 164th with 0.00% · Providence-Warwick metro: 56th, 0.00% · Flint metro: 30th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3