| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.1% | +1.4 pts |
| Share growth (YoY) | +6.7% | +3.5% | +3.1 pts |
| Loan growth (YoY) | +8.3% | +2.9% | +5.5 pts |
| ROA | 0.39% | 0.74% | -0.3 pts |
| ROE | 2.8% | 6.5% | -3.6 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 | $126.2M | $110.5M | $63.9M | $17.3M | $246K | 0.39% | 3.77% | 1.35% | 7,235 |
| Q1 2026 | $125.7M | $108.9M | $62.8M | $17.2M | $83K | 0.27% | 3.70% | 1.18% | 7,279 |
| Q4 2025 | $122.8M | $106.1M | $63.5M | $17.1M | $503K | 0.41% | 3.70% | 1.05% | 7,291 |
| Q3 2025 | $121.1M | $104.6M | $61.6M | $16.9M | $347K | 0.38% | 3.68% | 0.66% | 7,221 |
| Q2 2025 | $119.7M | $103.6M | $58.9M | $16.8M | $200K | 0.33% | 3.63% | 0.68% | 7,171 |
| Q1 2025 | $119.6M | $103.6M | $57.4M | $16.7M | $97K | 0.33% | 3.56% | 0.86% | 7,153 |
| Q4 2024 | $115.8M | $100.2M | $52.4M | $16.6M | $376K | 0.32% | 3.49% | 1.08% | 7,217 |
| Q3 2024 | $116.6M | $100.6M | $52.9M | $16.5M | $274K | 0.31% | 3.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.74% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 6.5% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 7,212 |
| Q2 2024 | $117.1M | $101.8M | $53.9M | $16.3M | $151K | 0.26% | 3.34% | 0.99% | 7,206 |
Loan mix (Q2 2026): real estate $28.0M · commercial $0 · consumer $33.4M · securities $49.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 77.5% | 59th |
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.
4 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Kauai, HI, ranked 9th with 2.6% of deposits.
Hawaii: 36th with 0.11% · Michigan: 254th with 0.01% · Grand Rapids-Wyoming-Kentwood metro: 67th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 4