| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -4.0% | +0.9% | -4.9 pts |
| Loan growth (YoY) | -4.4% | -2.6% | -1.7 pts |
| ROA | 0.06% | 0.65% | -0.6 pts |
| ROE | 0.6% | 4.4% | -3.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.1M | $35.6M | $19.7M | $4.4M | $13K | 0.06% | 3.57% | 0.05% | 2,168 |
| Q1 2026 | $40.1M | $35.8M | $18.5M | $4.3M | $-7K | -0.07% | 3.52% | 0.04% | 2,205 |
| Q4 2025 | $39.6M | $35.2M | $20.3M | $4.4M | $78K | 0.20% | 3.83% | 0.05% | 2,232 |
| Q3 2025 | $40.2M | $35.7M | $20.4M | $4.3M | $67K | 0.22% | 3.76% | 0.04% | 2,269 |
| Q2 2025 | $41.4M | $37.1M | $20.6M | $4.3M | $35K | 0.17% | 3.60% | 0.02% | 2,288 |
| Q1 2025 | $40.5M | $36.2M | $20.4M | $4.3M | $8K | 0.08% | 3.64% | 0.09% | 2,299 |
| Q4 2024 | $40.3M | $36.0M | $20.8M | $4.3M | $186K | 0.46% | 3.78% | 0.05% | 2,297 |
| Q3 2024 | $41.8M | $37.5M | $20.4M | $4.2M | $148K | 0.47% | 3.56% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,302 |
| Q2 2024 | $42.3M | $38.3M | $19.9M | $4.2M | $89K | 0.42% | 3.48% | 0.02% | 2,316 |
Loan mix (Q2 2026): real estate $14.6M · commercial $2.1M · consumer $2.9M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.9% | 80.6% | 87th |
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 2025). Biggest market: Contra Costa, CA, ranked 46th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Contra Costa, CA | 1 | $35.6M* | 0.06% | 46th |
California: 372nd with 0.00% · San Francisco-Oakland-Fremont metro: 105th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1