| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -5.7% | +0.9% | -6.6 pts |
| Loan growth (YoY) | +4.2% | -2.6% | +6.9 pts |
| ROA | 0.62% | 0.65% | -0.0 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.5M | $36.6M | $11.5M | $11.5M | $154K | 0.62% | 3.06% | 0.06% | 2,505 |
| Q1 2026 | $50.1M | $38.0M | $10.9M | $11.5M | $87K | 0.69% | 3.00% | 0.06% | 2,516 |
| Q4 2025 | $48.8M | $37.0M | $10.9M | $11.4M | $369K | 0.76% | 3.01% | 0.00% | 2,514 |
| Q3 2025 | $48.4M | $36.6M | $10.4M | $11.3M | $276K | 0.76% | 3.02% | 0.00% | 2,527 |
| Q2 2025 | $50.3M | $38.8M | $11.1M | $11.2M | $193K | 0.77% | 2.87% | 0.00% | 2,550 |
| Q1 2025 | $51.8M | $40.3M | $11.5M | $11.1M | $92K | 0.71% | 2.76% | 0.00% | 2,566 |
| Q4 2024 | $50.2M | $38.8M | $11.9M | $11.0M | $215K | 0.43% | 2.43% | 0.00% | 2,576 |
| Q3 2024 | $48.9M | $37.5M | $12.4M | $11.0M | $154K | 0.42% | 2.44% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,598 |
| Q2 2024 | $48.4M | $37.1M | $12.8M | $10.9M | $90K | 0.37% | 2.40% | 0.00% | 2,606 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $9.8M · securities $31.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 80.6% | 47th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Fresno, CA, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fresno, CA | 2 | $36.6M* | 0.14% | 33rd |
California: 371st with 0.00% · Fresno metro: 33rd, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2