| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -5.6% | +0.9% | -6.5 pts |
| Loan growth (YoY) | -32.6% | -2.6% | -29.9 pts |
| ROA | -1.23% | 0.65% | -1.9 pts |
| ROE | -5.3% | 4.4% | -9.7 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.0M | $1.5M | $554K | $454K | $-12K | -1.23% | 3.59% | 0.00% | 172 |
| Q1 2026 | $2.0M | $1.5M | $579K | $451K | $-9K | -1.93% | 3.55% | 0.12% | 176 |
| Q4 2025 | $2.0M | $1.5M | $644K | $457K | $-6K | -0.30% | 4.52% | 0.11% | 172 |
| Q3 2025 | $2.0M | $1.5M | $699K | $461K | $-3K | -0.18% | 4.56% | 2.02% | 176 |
| Q2 2025 | $2.1M | $1.6M | $822K | $464K | $392 | 0.04% | 4.52% | 2.05% | 177 |
| Q1 2025 | $2.2M | $1.7M | $902K | $464K | $1K | 0.22% | 4.35% | 0.10% | 179 |
| Q4 2024 | $2.2M | $1.7M | $977K | $463K | $12K | 0.54% | 4.82% | 2.02% | 180 |
| Q3 2024 | $2.3M | $1.8M | $999K | $458K | $7K | 0.40% | 4.76% | 2.14% | 180 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.23% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -5.3% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.3M | $1.9M | $1.1M | $453K | $1K | 0.11% | 4.80% | 2.35% | 182 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $525K · securities $800K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 134.0% | 80.6% | 97th |
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 2025). Biggest market: Orange, CA, ranked 103rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $1.5M* | 0.00% | 103rd |
California: 431st with 0.00% · Los Angeles-Long Beach-Anaheim metro: 216th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1