| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.8% | +0.9% | +1.9 pts |
| Loan growth (YoY) | -1.8% | -2.6% | +0.8 pts |
| ROA | 0.81% | 0.65% | +0.2 pts |
| ROE | 8.6% | 4.4% | +4.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.8M | $79.4M | $43.0M | $8.4M | $361K | 0.81% | 3.86% | 0.73% | 6,060 |
| Q1 2026 | $89.4M | $80.2M | $42.9M | $8.2M | $155K | 0.69% | 4.11% | 0.37% | 5,974 |
| Q4 2025 | $89.2M | $80.2M | $42.2M | $8.0M | $845K | 0.95% | 4.00% | 0.20% | 5,976 |
| Q3 2025 | $88.9M | $79.9M | $43.7M | $7.8M | $680K | 1.02% | 3.99% | 0.27% | 5,992 |
| Q2 2025 | $86.9M | $77.2M | $43.7M | $7.5M | $376K | 0.87% | 3.96% | 0.22% | 5,933 |
| Q1 2025 | $83.3M | $73.8M | $43.2M | $7.2M | $47K | 0.23% | 3.86% | 0.11% | 5,901 |
| Q4 2024 | $79.0M | $69.5M | $42.3M | $7.2M | $771K | 0.98% | 4.09% | 0.83% | 5,840 |
| Q3 2024 | $71.7M | $64.3M | $37.9M | $6.1M | $572K | 1.06% | 4.53% | 1.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,308 |
| Q2 2024 | $69.0M | $61.5M | $38.2M | $5.9M | $462K | 1.34% | 4.81% | 0.64% | 5,223 |
Loan mix (Q2 2026): real estate $9.7M · commercial $5.9M · consumer $24.1M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 80.6% | 63rd |
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 1 state (+0 vs 2025). Biggest market: Inyo, CA, ranked 6th with 5.7% of deposits.
California: 325th with 0.00% · Bakersfield-Delano metro: 27th, 0.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2