| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +2.0% | +0.9% | +1.0 pts |
| Loan growth (YoY) | +0.9% | -2.6% | +3.6 pts |
| ROA | -0.08% | 0.65% | -0.7 pts |
| ROE | -0.4% | 4.4% | -4.8 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.8M | $22.8M | $21.0M | $5.8M | $-11K | -0.08% | 4.07% | 0.64% | 2,547 |
| Q1 2026 | $28.9M | $22.9M | $20.7M | $5.8M | $-7K | -0.09% | 3.97% | 0.55% | 2,538 |
| Q4 2025 | $27.7M | $21.6M | $20.0M | $5.8M | $175K | 0.63% | 4.67% | 0.33% | 2,544 |
| Q3 2025 | $28.3M | $22.3M | $20.4M | $5.8M | $162K | 0.76% | 4.60% | 0.40% | 2,528 |
| Q2 2025 | $28.3M | $22.3M | $20.8M | $5.8M | $98K | 0.69% | 4.68% | 0.12% | 2,522 |
| Q1 2025 | $27.5M | $21.6M | $20.9M | $5.7M | $58K | 0.84% | 4.93% | 0.08% | 2,527 |
| Q4 2024 | $28.4M | $22.5M | $20.3M | $5.7M | $291K | 1.02% | 4.91% | 0.54% | 2,525 |
| Q3 2024 | $26.7M | $20.9M | $21.1M | $5.6M | $230K | 1.15% | 5.28% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.08% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,529 |
| Q2 2024 | $26.6M | $20.9M | $20.2M | $5.5M | $190K | 1.43% | 5.30% | 0.79% | 2,545 |
Loan mix (Q2 2026): real estate $14.2M · commercial $859K · consumer $5.2M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.7% | 80.6% | 83rd |
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 (+1 vs 2025). Biggest market: Lane, OR, ranked 25th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lane, OR | 2 | $22.8M* | 0.18% | 25th |
Oregon: 85th with 0.02% · Eugene-Springfield metro: 25th, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2