| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +5.1% | +1.5 pts |
| Share growth (YoY) | +5.9% | +4.9% | +1.0 pts |
| Loan growth (YoY) | +3.2% | +5.4% | -2.2 pts |
| ROA | 0.95% | 0.71% | +0.2 pts |
| ROE | 11.5% | 6.3% | +5.2 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.26B | $1.13B | $1.01B | $104.4M | $3.0M | 0.95% | 3.36% | 0.70% | 87,493 |
| Q4 2025 | $1.24B | $1.11B | $1.01B | $101.4M | $9.8M | 0.79% | 3.23% | 0.76% | 86,458 |
| Q3 2025 | $1.22B | $1.10B | $1.02B | $98.3M | $6.4M | 0.70% | 3.20% | 0.69% | 85,969 |
| Q2 2025 | $1.19B | $1.08B | $1.01B | $95.9M | $4.0M | 0.67% | 3.17% | 0.62% | 84,430 |
| Q1 2025 | $1.18B | $1.07B | $978.2M | $93.8M | $1.9M | 0.65% | 3.07% | 0.58% | 82,978 |
| Q4 2024 | $1.14B | $1.03B | $992.5M | $91.8M | $8.7M | 0.76% | 2.97% | 0.67% | 81,705 |
| Q3 2024 | $1.12B | $1.01B | $954.2M | $89.3M | $6.0M | 0.72% | 2.95% | 0.69% | 80,848 |
| Q2 2024 | $1.11B | $1.00B | $928.8M | $87.0M | $3.7M | 0.66% | 2.93% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.71% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 6.3% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 79,128 |
Loan mix (Q1 2026): real estate $508.3M · commercial $224.7M · consumer $249.3M · securities $73.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 73.0% | 45th |
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.
12 branches in 5 counties across 1 state (+0 vs 2024). Biggest market: Salt Lake, UT, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 6 | $539.8M* | 0.05% | 35th |
| Utah, UT | 2 | $179.9M* | 0.53% | 19th |
| Davis, UT | 2 | $179.9M* | 1.85% | 12th |
| 2 more counties with Pro → | ||||
Utah: 39th with 0.10% · Salt Lake City-Murray metro: 35th, 0.05% · Ogden metro: 17th, 0.89% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 12 · 2024 12 · 2025 12