| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -2.7% | +0.9% | -3.6 pts |
| Loan growth (YoY) | -2.6% | -2.6% | +0.0 pts |
| ROA | 0.09% | 0.65% | -0.6 pts |
| ROE | 1.0% | 4.4% | -3.4 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.1M | $47.1M | $19.3M | $5.0M | $25K | 0.09% | 3.50% | 0.24% | 3,873 |
| Q1 2026 | $51.8M | $46.0M | $18.9M | $5.0M | $25K | 0.20% | 3.49% | 1.11% | 3,750 |
| Q4 2025 | $50.7M | $44.4M | $19.1M | $5.0M | $-574K | -1.13% | 3.50% | 1.06% | 3,802 |
| Q3 2025 | $53.1M | $46.8M | $19.2M | $5.5M | $-117K | -0.29% | 3.40% | 0.93% | 3,810 |
| Q2 2025 | $54.4M | $48.4M | $19.8M | $5.5M | $-75K | -0.27% | 3.25% | 0.65% | 3,833 |
| Q1 2025 | $55.3M | $49.1M | $20.1M | $5.5M | $-58K | -0.42% | 3.18% | 0.78% | 3,813 |
| Q4 2024 | $56.5M | $50.4M | $20.9M | $5.6M | $-945K | -1.67% | 2.60% | 1.32% | 3,844 |
| Q3 2024 | $58.0M | $52.1M | $21.5M | $5.7M | $-845K | -1.94% | 2.47% | 0.58% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,861 |
| Q2 2024 | $57.0M | $50.7M | $22.2M | $5.8M | $-749K | -2.63% | 2.37% | 0.20% | 3,893 |
Loan mix (Q2 2026): real estate $6.1M · commercial $0 · consumer $11.0M · securities $27.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 80.6% | 77th |
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 2 states (+0 vs 2025). Biggest market: Clackamas, OR, ranked 29th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clackamas, OR | 1 | $23.6M* | 0.18% | 29th |
| Nez Perce, ID | 1 | $23.6M* | 1.76% | 12th |
Idaho: 61st with 0.03% · Oregon: 84th with 0.02% · Portland-Vancouver-Hillsboro metro: 63rd, 0.03% · Lewiston metro: 14th, 1.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2