| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.1% | -0.7 pts |
| Share growth (YoY) | +1.6% | +3.5% | -2.0 pts |
| Loan growth (YoY) | +6.2% | +2.9% | +3.4 pts |
| ROA | 1.43% | 0.74% | +0.7 pts |
| ROE | 11.0% | 6.5% | +4.5 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $313.0M | $280.2M | $171.5M | $40.6M | $2.2M | 1.43% | 3.39% | 0.08% | 14,617 |
| Q1 2026 | $314.1M | $282.4M | $171.8M | $39.6M | $1.2M | 1.55% | 3.36% | 0.08% | 14,443 |
| Q4 2025 | $307.0M | $275.3M | $171.3M | $38.4M | $3.0M | 0.97% | 3.26% | 0.04% | 14,399 |
| Q3 2025 | $302.1M | $272.1M | $169.8M | $37.4M | $2.0M | 0.88% | 3.27% | 0.06% | 14,306 |
| Q2 2025 | $302.8M | $275.9M | $161.4M | $36.3M | $891K | 0.59% | 3.20% | 0.03% | 14,037 |
| Q1 2025 | $306.7M | $281.3M | $138.8M | $35.9M | $504K | 0.66% | 3.07% | 0.05% | 13,720 |
| Q4 2024 | $293.2M | $270.7M | $137.1M | $35.4M | $2.0M | 0.68% | 3.00% | 0.20% | 13,629 |
| Q3 2024 | $292.2M | $267.6M | $140.5M | $35.2M | $1.8M | 0.82% | 2.96% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.74% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 6.5% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 13,646 |
| Q2 2024 | $292.0M | $272.1M | $140.6M | $34.7M | $1.5M | 1.04% | 2.90% | 0.12% | 13,581 |
Loan mix (Q2 2026): real estate $35.1M · commercial $19.7M · consumer $103.6M · securities $93.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 77.5% | 18th |
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.
4 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Humboldt, NV, ranked 4th with 16.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Humboldt, NV | 1 | $70.1M* | 16.34% | 4th |
| Churchill, NV | 1 | $70.1M* | 6.26% | 5th |
| Lyon, NV | 1 | $70.1M* | 8.86% | 5th |
Nevada: 37th with 0.21% · Reno metro: 19th, 0.38% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4