| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +0.4% | +0.9% | -0.5 pts |
| Loan growth (YoY) | +2.9% | -2.6% | +5.5 pts |
| ROA | 0.93% | 0.65% | +0.3 pts |
| ROE | 6.8% | 4.4% | +2.5 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.8M | $29.6M | $16.3M | $4.7M | $162K | 0.93% | 3.70% | 0.12% | 1,446 |
| Q1 2026 | $35.0M | $30.1M | $16.2M | $4.6M | $81K | 0.93% | 3.65% | 0.00% | 1,445 |
| Q4 2025 | $34.3M | $29.4M | $16.3M | $4.6M | $365K | 1.06% | 4.07% | 0.20% | 1,428 |
| Q3 2025 | $34.0M | $29.4M | $15.9M | $4.6M | $346K | 1.36% | 4.20% | 0.26% | 1,421 |
| Q2 2025 | $34.1M | $29.5M | $15.9M | $4.5M | $260K | 1.53% | 4.32% | 0.00% | 1,399 |
| Q1 2025 | $34.5M | $30.0M | $16.2M | $4.4M | $135K | 1.56% | 4.38% | 0.01% | 1,399 |
| Q4 2024 | $34.1M | $29.8M | $15.7M | $4.2M | $676K | 1.98% | 4.24% | 0.33% | 1,393 |
| Q3 2024 | $34.0M | $30.0M | $16.3M | $4.1M | $516K | 2.02% | 4.20% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.65% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,395 |
| Q2 2024 | $34.5M | $30.7M | $16.3M | $3.9M | $334K | 1.93% | 4.12% | 0.00% | 1,398 |
Loan mix (Q2 2026): real estate $8.7M · commercial $0 · consumer $6.0M · securities $11.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 80.6% | 41st |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Lane, OR, ranked 26th with 0.2% of deposits.
Oregon: 86th with 0.01% · Indiana: 254th with 0.00% · Eugene-Springfield metro: 26th, 0.16% · Fort Wayne metro: 47th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3