| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.9% | +1.3% | -12.2 pts |
| Share growth (YoY) | -14.1% | +0.9% | -15.1 pts |
| Loan growth (YoY) | -15.7% | -2.6% | -13.1 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 5.2% | 4.4% | +0.8 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.9M | $1.5M | $1.4M | $378K | $10K | 1.04% | 2.78% | 0.00% | 215 |
| Q1 2026 | $1.9M | $1.5M | $1.4M | $373K | $5K | 1.05% | 2.93% | 0.00% | 216 |
| Q4 2025 | $1.9M | $1.5M | $1.5M | $368K | $16K | 0.82% | 2.73% | 6.43% | 215 |
| Q3 2025 | $1.9M | $1.6M | $1.5M | $363K | $11K | 0.74% | 2.72% | 0.00% | 216 |
| Q2 2025 | $2.1M | $1.8M | $1.7M | $360K | $8K | 0.73% | 2.52% | 0.00% | 216 |
| Q1 2025 | $2.2M | $1.8M | $1.6M | $358K | $6K | 1.07% | 2.72% | 0.00% | 221 |
| Q4 2024 | $2.1M | $1.7M | $1.7M | $352K | $1K | 0.07% | 2.56% | 0.24% | 233 |
| Q3 2024 | $2.1M | $1.8M | $1.7M | $357K | $7K | 0.42% | 2.47% | 0.23% | 222 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.1M |
| $1.7M |
| $1.6M |
| $360K |
| $10K |
| 0.95% |
| 2.44% |
| 0.11% |
| 220 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $929K · securities $4K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 80.6% | 14th |
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 2 states (+1 vs 2025). Biggest market: Davis, UT, ranked 28th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davis, UT | 1 | $759K* | 0.01% | 28th |
| Racine, WI | 1 | $759K* | 0.01% | 32nd |
Wisconsin: 334th with 0.00% · Utah: 173rd with 0.00% · Ogden metro: 34th, 0.00% · Racine-Mount Pleasant metro: 32nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2