| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.2 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.6 pts |
| ROA | 0.37% | 0.60% | -0.2 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.3M | $5.3M | $3.2M | $949K | $6K | 0.37% | 2.78% | 2.08% | 758 |
| Q4 2025 | $6.3M | $5.4M | $3.3M | $945K | $51K | 0.80% | 3.34% | 1.76% | 734 |
| Q3 2025 | $6.4M | $5.4M | $3.5M | $933K | $39K | 0.82% | 3.36% | 0.88% | 734 |
| Q2 2025 | $6.6M | $5.6M | $3.5M | $924K | $30K | 0.92% | 3.33% | 0.67% | 731 |
| Q1 2025 | $6.5M | $5.6M | $3.3M | $908K | $14K | 0.87% | 3.30% | 0.90% | 732 |
| Q4 2024 | $6.6M | $5.7M | $3.4M | $894K | $40K | 0.61% | 3.44% | 1.62% | 730 |
| Q3 2024 | $6.4M | $5.5M | $3.6M | $881K | $27K | 0.58% | 3.56% | 1.83% | 721 |
| Q2 2024 | $6.3M | $5.4M | $3.8M | $868K | $14K | 0.46% | 3.47% | 1.34% | 716 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $2.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 81.5% | 46th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Del Norte, CA, ranked 5th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Del Norte, CA | 1 | $5.6M* | 1.12% | 5th |
California: 417th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1