| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.3% | +1.3% | +21.0 pts |
| Share growth (YoY) | +31.1% | +0.9% | +30.2 pts |
| Loan growth (YoY) | +308.3% | -2.6% | +310.9 pts |
| ROA | -0.42% | 0.65% | -1.1 pts |
| ROE | -1.6% | 4.4% | -6.0 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $528K | $387K | $1K | $141K | $-1K | -0.42% | 0.71% | 0.00% | 88 |
| Q1 2026 | $498K | $353K | $4K | $145K | $3K | 2.36% | 3.49% | 0.00% | 94 |
| Q4 2025 | $501K | $358K | $9K | $142K | $11K | 2.16% | 3.33% | 0.00% | 95 |
| Q3 2025 | $468K | $329K | $385 | $140K | $8K | 2.29% | 3.54% | 0.00% | 83 |
| Q2 2025 | $432K | $295K | $351 | $137K | $5K | 2.43% | 3.82% | 0.00% | 80 |
| Q1 2025 | $418K | $284K | $2K | $134K | $3K | 2.47% | 3.98% | 0.00% | 92 |
| Q4 2024 | $439K | $308K | $5K | $132K | $10K | 2.18% | 3.50% | 0.00% | 95 |
| Q3 2024 | $430K | $301K | $1K | $129K | $7K | 2.18% | 3.54% | 0.00% | 86 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -1.6% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $448K |
| $322K |
| $2K |
| $126K |
| $4K |
| 1.90% |
| 3.24% |
| 0.00% |
| 95 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1K · securities $435K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 159.6% | 80.6% | 98th |
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: San Francisco, CA, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Francisco, CA | 1 | $193K* | 0.00% | 55th |
| Rio Arriba, NM | 1 | $193K* | 0.02% | 8th |
New Mexico: 102nd with 0.00% · California: 436th with 0.00% · San Francisco-Oakland-Fremont metro: 118th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2