| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.1% | -4.1 pts |
| Share growth (YoY) | -0.1% | +3.5% | -3.6 pts |
| Loan growth (YoY) | +1.4% | +2.9% | -1.4 pts |
| ROA | 0.03% | 0.74% | -0.7 pts |
| ROE | 0.4% | 6.5% | -6.1 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.7M | $131.9M | $82.7M | $13.8M | $24K | 0.03% | 3.18% | 1.28% | 4,790 |
| Q1 2026 | $147.5M | $132.7M | $77.4M | $13.8M | $45K | 0.12% | 3.15% | 0.19% | 4,754 |
| Q4 2025 | $141.7M | $127.0M | $79.0M | $13.7M | $796K | 0.56% | 3.11% | 0.16% | 4,714 |
| Q3 2025 | $140.1M | $123.0M | $80.1M | $13.6M | $659K | 0.63% | 3.12% | 0.24% | 4,710 |
| Q2 2025 | $146.6M | $132.0M | $81.5M | $13.5M | $530K | 0.72% | 2.95% | 0.34% | 4,681 |
| Q1 2025 | $145.1M | $128.6M | $79.7M | $13.1M | $152K | 0.42% | 2.90% | 0.24% | 4,679 |
| Q4 2024 | $147.3M | $133.2M | $81.0M | $12.9M | $418K | 0.28% | 2.45% | 0.17% | 4,646 |
| Q3 2024 | $150.6M | $136.6M | $81.5M | $12.9M | $362K | 0.32% | 2.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.74% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 6.5% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 4,646 |
| Q2 2024 | $152.1M | $135.6M | $81.9M | $12.7M | $181K | 0.24% | 2.28% | 0.12% | 4,664 |
Loan mix (Q2 2026): real estate $44.3M · commercial $19.9M · consumer $16.0M · securities $51.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 77.5% | 91st |
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: San Mateo, CA, ranked 38th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Mateo, CA | 1 | $65.9M* | 0.15% | 38th |
| San Diego, CA | 1 | $65.9M* | 0.04% | 57th |
California: 292nd with 0.01% · San Diego-Chula Vista-Carlsbad metro: 57th, 0.04% · San Francisco-Oakland-Fremont metro: 94th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2