| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.8 pts |
| Loan growth (YoY) | +4.4% | -2.4% | +6.8 pts |
| ROA | 1.01% | 0.60% | +0.4 pts |
| ROE | 13.5% | 4.1% | +9.4 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.4M | $11.6M | $6.1M | $928K | $31K | 1.01% | 4.43% | 1.33% | 1,058 |
| Q4 2025 | $12.2M | $11.4M | $6.2M | $897K | $-24K | -0.19% | 3.64% | 1.17% | 1,076 |
| Q3 2025 | $11.7M | $10.9M | $6.3M | $909K | $-12K | -0.13% | 3.81% | 0.59% | 1,087 |
| Q2 2025 | $12.2M | $11.4M | $6.1M | $980K | $60K | 0.98% | 3.57% | 1.09% | 1,076 |
| Q1 2025 | $11.9M | $11.0M | $5.9M | $1.0M | $96K | 3.24% | 3.72% | 0.95% | 1,075 |
| Q4 2024 | $11.7M | $10.9M | $6.1M | $921K | $238K | 2.03% | 4.18% | 0.75% | 1,082 |
| Q3 2024 | $11.1M | $10.3M | $6.4M | $958K | $143K | 1.72% | 4.41% | 0.64% | 1,080 |
| Q2 2024 | $11.1M | $10.3M | $6.3M | $940K | $86K | 1.55% | 4.39% | 1.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,081 |
Loan mix (Q1 2026): real estate $272K · commercial $0 · consumer $5.1M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.0% | 81.5% | 81st |
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 2 states (+0 vs 2024). Biggest market: Kern, CA, ranked 30th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kern, CA | 1 | $5.7M* | 0.03% | 30th |
| Shelby, TN | 1 | $5.7M* | 0.02% | 55th |
Tennessee: 281st with 0.00% · California: 416th with 0.00% · Memphis metro: 71st, 0.01% · Bakersfield-Delano metro: 30th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2