| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.1% | -1.4 pts |
| Share growth (YoY) | -1.6% | +3.5% | -5.2 pts |
| Loan growth (YoY) | +7.2% | +2.9% | +4.3 pts |
| ROA | 0.69% | 0.74% | -0.0 pts |
| ROE | 5.5% | 6.5% | -1.0 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $102.7M | $86.5M | $63.5M | $12.9M | $356K | 0.69% | 3.79% | 0.29% | 8,002 |
| Q1 2026 | $102.4M | $89.6M | $60.7M | $12.7M | $128K | 0.50% | 3.66% | 1.33% | 8,044 |
| Q4 2025 | $101.6M | $88.9M | $58.2M | $12.6M | $451K | 0.44% | 3.40% | 0.41% | 7,965 |
| Q3 2025 | $100.9M | $88.3M | $58.4M | $12.5M | $366K | 0.48% | 3.35% | 0.03% | 7,944 |
| Q2 2025 | $99.9M | $87.9M | $59.2M | $12.2M | $97K | 0.19% | 3.32% | 0.08% | 7,918 |
| Q1 2025 | $101.5M | $86.4M | $61.0M | $12.2M | $80K | 0.31% | 3.18% | 0.18% | 8,077 |
| Q4 2024 | $97.7M | $82.6M | $61.7M | $12.1M | $231K | 0.24% | 3.11% | 0.20% | 8,073 |
| Q3 2024 | $101.2M | $83.0M | $62.2M | $12.0M | $165K | 0.22% | 2.95% | 0.23% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.74% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 6.5% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 8,066 |
| Q2 2024 | $101.0M | $83.1M | $63.8M | $12.0M | $121K | 0.24% | 2.92% | 0.11% | 8,063 |
Loan mix (Q2 2026): real estate $37.1M · commercial $0 · consumer $25.8M · securities $26.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 77.5% | 48th |
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 (-1 vs 2025). Biggest market: Los Angeles, CA, ranked 146th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $86.5M* | 0.02% | 146th |
California: 319th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 165th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 2