| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +3.6% | +0.7% | +3.0 pts |
| Loan growth (YoY) | +4.8% | -2.4% | +7.2 pts |
| ROA | -0.86% | 0.60% | -1.5 pts |
| ROE | -10.4% | 4.1% | -14.5 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.2M | $45.2M | $22.4M | $4.0M | $-104K | -0.86% | 2.66% | 0.60% | 1,922 |
| Q4 2025 | $48.4M | $44.6M | $19.1M | $4.1M | $-444K | -0.92% | 2.45% | 0.79% | 2,007 |
| Q3 2025 | $47.7M | $44.2M | $20.2M | $4.2M | $-338K | -0.94% | 2.04% | 1.21% | 2,018 |
| Q2 2025 | $47.8M | $44.1M | $20.7M | $4.5M | $-49K | -0.21% | 3.34% | 1.07% | 2,011 |
| Q1 2025 | $47.2M | $43.6M | $21.4M | $4.6M | $-16K | -0.13% | 3.48% | 0.69% | 2,005 |
| Q4 2024 | $47.3M | $43.3M | $22.6M | $4.6M | $-166K | -0.35% | 2.92% | 0.86% | 2,051 |
| Q3 2024 | $48.1M | $44.4M | $23.5M | $4.5M | $-232K | -0.64% | 2.27% | 1.08% | 2,077 |
| Q2 2024 | $48.6M | $45.2M | $24.3M | $4.6M | $-160K | -0.66% | 2.23% | 1.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.86% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -10.4% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,095 |
Loan mix (Q1 2026): real estate $10.3M · commercial $2.0M · consumer $6.4M · securities $13.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.9% | 81.5% | 78th |
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 2024). Biggest market: Contra Costa, CA, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Contra Costa, CA | 2 | $44.1M* | 0.08% | 40th |
California: 358th with 0.00% · San Francisco-Oakland-Fremont metro: 98th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2