| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +3.4% | +0.9% | +2.5 pts |
| Loan growth (YoY) | -3.1% | -2.6% | -0.4 pts |
| ROA | 0.09% | 0.65% | -0.6 pts |
| ROE | 0.9% | 4.4% | -3.5 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.6M | $61.4M | $43.4M | $7.3M | $31K | 0.09% | 2.73% | 0.16% | 3,470 |
| Q1 2026 | $69.4M | $61.3M | $44.6M | $7.2M | $-50K | -0.29% | 2.69% | 0.49% | 3,466 |
| Q4 2025 | $69.0M | $60.9M | $44.6M | $7.3M | $209K | 0.30% | 2.67% | 0.74% | 3,463 |
| Q3 2025 | $67.3M | $60.0M | $44.9M | $7.3M | $196K | 0.39% | 2.68% | 0.62% | 3,454 |
| Q2 2025 | $66.7M | $59.4M | $44.8M | $7.2M | $117K | 0.35% | 2.60% | 0.73% | 3,457 |
| Q1 2025 | $64.7M | $57.5M | $44.5M | $7.1M | $53K | 0.33% | 2.62% | 1.05% | 3,449 |
| Q4 2024 | $61.6M | $54.5M | $44.7M | $7.1M | $948K | 1.54% | 2.69% | 0.65% | 3,467 |
| Q3 2024 | $61.3M | $54.8M | $45.6M | $6.4M | $262K | 0.57% | 2.69% | 0.40% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,465 |
| Q2 2024 | $60.0M | $53.6M | $45.8M | $6.3M | $151K | 0.50% | 2.68% | 0.24% | 3,471 |
Loan mix (Q2 2026): real estate $21.1M · commercial $0 · consumer $18.2M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 80.6% | 79th |
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 1 state (+0 vs 2025). Biggest market: Salt Lake, UT, ranked 77th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $30.7M* | 0.00% | 77th |
| Davis, UT | 1 | $30.7M* | 0.30% | 22nd |
Utah: 87th with 0.00% · Ogden metro: 28th, 0.14% · Salt Lake City-Murray metro: 77th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2