| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +3.2% | +3.3% | -0.1 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.4 pts |
| ROA | 1.56% | 0.69% | +0.9 pts |
| ROE | 15.3% | 5.9% | +9.3 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $109.9M | $98.5M | $52.7M | $11.3M | $430K | 1.56% | 3.89% | 0.64% | 9,335 |
| Q4 2025 | $109.8M | $98.7M | $53.8M | $10.9M | $1.8M | 1.61% | 3.81% | 0.92% | 9,311 |
| Q3 2025 | $108.5M | $97.6M | $53.8M | $10.6M | $1.2M | 1.48% | 3.76% | 0.84% | 9,265 |
| Q2 2025 | $107.6M | $97.1M | $50.9M | $10.2M | $729K | 1.36% | 3.63% | 0.90% | 9,157 |
| Q1 2025 | $105.3M | $95.4M | $50.0M | $9.8M | $387K | 1.47% | 3.56% | 0.75% | 9,133 |
| Q4 2024 | $103.4M | $93.8M | $50.6M | $9.4M | $1.3M | 1.28% | 3.54% | 0.84% | 9,123 |
| Q3 2024 | $105.5M | $93.0M | $51.4M | $9.0M | $865K | 1.09% | 3.42% | 0.21% | 9,108 |
| Q2 2024 | $101.8M | $92.9M | $50.2M | $8.6M | $472K | 0.93% | 3.40% | 0.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.69% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 9,024 |
Loan mix (Q1 2026): real estate $13.7M · commercial $0 · consumer $39.0M · securities $49.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 78.7% | 26th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Fresno, CA, ranked 25th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fresno, CA | 1 | $97.1M* | 0.40% | 25th |
California: 304th with 0.00% · Fresno metro: 25th, 0.36% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1