| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.2 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.6M | $70.6M | $37.1M | $8.7M | $20K | 0.10% | 3.96% | 0.34% | 4,778 |
| Q4 2025 | $76.5M | $69.7M | $38.4M | $8.7M | $240K | 0.31% | 4.03% | 0.93% | 4,806 |
| Q3 2025 | $80.0M | $73.3M | $38.3M | $8.7M | $228K | 0.38% | 3.84% | 0.76% | 4,843 |
| Q2 2025 | $78.0M | $72.2M | $38.5M | $8.5M | $91K | 0.23% | 3.87% | 0.77% | 4,874 |
| Q1 2025 | $80.3M | $74.7M | $39.5M | $8.5M | $28K | 0.14% | 3.75% | 0.91% | 4,901 |
| Q4 2024 | $78.0M | $72.5M | $40.1M | $8.4M | $-283K | -0.36% | 3.65% | 1.24% | 4,936 |
| Q3 2024 | $78.7M | $72.7M | $39.7M | $8.5M | $-248K | -0.42% | 3.58% | 1.28% | 4,962 |
| Q2 2024 | $78.4M | $73.0M | $40.4M | $8.5M | $-237K | -0.60% | 3.56% | 1.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,980 |
Loan mix (Q1 2026): real estate $12.5M · commercial $0 · consumer $23.6M · securities $27.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 81.5% | 70th |
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 2024). Biggest market: Thurston, WA, ranked 24th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Thurston, WA | 2 | $72.2M* | 0.76% | 24th |
Washington: 110th with 0.02% · Olympia-Lacey-Tumwater metro: 24th, 0.76% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2