| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.1% | +7.3 pts |
| Share growth (YoY) | +10.5% | +3.5% | +7.0 pts |
| Loan growth (YoY) | +5.9% | +2.9% | +3.0 pts |
| ROA | 2.44% | 0.74% | +1.7 pts |
| ROE | 17.9% | 6.5% | +11.4 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $351.3M | $302.7M | $223.8M | $47.8M | $4.3M | 2.44% | 4.13% | 0.34% | 18,844 |
| Q1 2026 | $349.2M | $302.8M | $217.8M | $45.5M | $2.0M | 2.27% | 4.13% | 0.13% | 18,634 |
| Q4 2025 | $329.3M | $284.4M | $221.2M | $43.2M | $5.8M | 1.75% | 3.70% | 0.47% | 18,534 |
| Q3 2025 | $319.8M | $276.2M | $219.5M | $43.0M | $5.6M | 2.32% | 4.05% | 0.34% | 18,391 |
| Q2 2025 | $315.4M | $273.9M | $211.4M | $41.0M | $3.5M | 2.22% | 4.03% | 0.34% | 18,135 |
| Q1 2025 | $312.5M | $272.4M | $202.3M | $39.2M | $1.7M | 2.21% | 3.96% | 0.14% | 17,961 |
| Q4 2024 | $300.1M | $261.0M | $199.6M | $37.5M | $5.2M | 1.74% | 3.62% | 0.06% | 17,800 |
| Q3 2024 | $291.1M | $253.3M | $198.6M | $37.2M | $4.9M | 2.26% | 4.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.44% | 0.74% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 6.5% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 17,630 |
| Q2 2024 | $282.7M | $246.7M | $192.6M | $35.4M | $3.1M | 2.22% | 4.09% | 0.05% | 17,454 |
Loan mix (Q2 2026): real estate $101.9M · commercial $39.5M · consumer $56.4M · securities $33.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 77.5% | 3rd |
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: Elko, NV, ranked 1st with 20.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Elko, NV | 2 | $302.7M* | 19.98% | 1st |
Nevada: 35th with 0.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2