| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +1.3% | +9.5 pts |
| Share growth (YoY) | +10.9% | +0.9% | +9.9 pts |
| Loan growth (YoY) | +2.8% | -2.6% | +5.4 pts |
| ROA | 1.33% | 0.65% | +0.7 pts |
| ROE | 9.7% | 4.4% | +5.3 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.3M | $41.7M | $21.7M | $6.6M | $320K | 1.33% | 3.58% | 1.90% | 3,444 |
| Q1 2026 | $48.6M | $42.1M | $21.4M | $6.5M | $153K | 1.26% | 3.59% | 1.62% | 3,472 |
| Q4 2025 | $47.6M | $41.2M | $21.6M | $6.3M | $559K | 1.17% | 3.54% | 1.33% | 3,504 |
| Q3 2025 | $44.2M | $38.0M | $21.5M | $6.2M | $421K | 1.27% | 3.76% | 1.58% | 3,553 |
| Q2 2025 | $43.6M | $37.6M | $21.1M | $6.0M | $255K | 1.17% | 3.78% | 1.60% | 3,579 |
| Q1 2025 | $44.3M | $38.4M | $21.1M | $5.9M | $128K | 1.16% | 3.63% | 1.51% | 3,591 |
| Q4 2024 | $42.5M | $36.7M | $21.6M | $5.7M | $370K | 0.87% | 3.36% | 1.50% | 3,594 |
| Q3 2024 | $41.8M | $36.1M | $21.2M | $5.6M | $257K | 0.82% | 3.28% | 1.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,592 |
| Q2 2024 | $43.1M | $37.5M | $21.1M | $5.5M | $151K | 0.70% | 3.02% | 1.48% | 3,587 |
Loan mix (Q2 2026): real estate $6.1M · commercial $256K · consumer $11.0M · securities $22.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 80.6% | 27th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Emery, UT, ranked 4th with 13.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Emery, UT | 2 | $41.7M* | 13.78% | 4th |
Utah: 96th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2