| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +3.4% | +0.9% | +2.5 pts |
| Loan growth (YoY) | -0.3% | -2.6% | +2.3 pts |
| ROA | 0.06% | 0.65% | -0.6 pts |
| ROE | 0.7% | 4.4% | -3.7 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.7M | $6.1M | $1.8M | $512K | $2K | 0.06% | 3.98% | 5.08% | 982 |
| Q1 2026 | $6.6M | $6.0M | $1.8M | $508K | $-2K | -0.14% | 4.05% | 2.11% | 985 |
| Q4 2025 | $6.8M | $6.2M | $1.8M | $510K | $30K | 0.45% | 3.71% | 3.39% | 999 |
| Q3 2025 | $6.2M | $5.6M | $1.8M | $503K | $23K | 0.49% | 3.94% | 0.43% | 1,015 |
| Q2 2025 | $6.5M | $5.9M | $1.8M | $494K | $14K | 0.43% | 3.58% | 8.02% | 1,025 |
| Q1 2025 | $6.3M | $5.7M | $1.8M | $484K | $4K | 0.26% | 3.57% | 5.48% | 1,034 |
| Q4 2024 | $5.9M | $5.4M | $1.7M | $518K | $-19K | -0.32% | 3.71% | 8.80% | 1,039 |
| Q3 2024 | $6.0M | $5.4M | $1.8M | $512K | $-25K | -0.55% | 3.68% | 3.34% | 1,120 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.0M | $5.5M | $1.8M | $511K | $-26K | -0.87% | 3.62% | 7.42% | 1,133 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 80.6% | 66th |
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: Los Angeles, CA, ranked 183rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $6.1M* | 0.00% | 183rd |
California: 418th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 210th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1