| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | +0.6% | +0.9% | -0.3 pts |
| Loan growth (YoY) | -10.1% | -2.6% | -7.5 pts |
| ROA | 0.09% | 0.65% | -0.6 pts |
| ROE | 1.1% | 4.4% | -3.3 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 | $29.3M | $26.7M | $13.7M | $2.6M | $14K | 0.09% | 4.27% | 0.75% | 3,882 |
| Q1 2026 | $29.9M | $26.8M | $14.0M | $2.5M | $-16K | -0.21% | 4.03% | 0.67% | 3,987 |
| Q4 2025 | $29.4M | $26.4M | $14.1M | $2.5M | $163K | 0.56% | 4.07% | 0.52% | 3,999 |
| Q3 2025 | $29.3M | $26.7M | $14.1M | $2.5M | $155K | 0.70% | 4.07% | 0.61% | 4,038 |
| Q2 2025 | $29.1M | $26.5M | $15.2M | $2.5M | $100K | 0.69% | 4.00% | 0.55% | 4,046 |
| Q1 2025 | $29.1M | $26.6M | $15.6M | $2.4M | $25K | 0.34% | 3.92% | 0.23% | 3,994 |
| Q4 2024 | $27.4M | $25.0M | $15.5M | $2.4M | $17K | 0.06% | 4.24% | 0.05% | 4,056 |
| Q3 2024 | $27.7M | $25.3M | $15.4M | $2.4M | $11K | 0.05% | 4.13% | 0.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,134 |
| Q2 2024 | $27.9M | $25.6M | $16.0M | $2.3M | $-30K | -0.21% | 4.02% | 0.25% | 4,224 |
Loan mix (Q2 2026): real estate $6.0M · commercial $1.2M · consumer $6.4M · securities $11.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 80.6% | 78th |
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.
3 branches in 3 counties across 3 states (+2 vs 2025). Biggest market: Salt Lake, UT, ranked 115th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $8.9M* | 0.00% | 115th |
| Washington, MD | 1 | $8.9M* | 0.21% | 19th |
| District of Columbia, DC | 1 | $8.9M* | 0.01% | 71st |
District of Columbia: 72nd with 0.01% · Maryland: 140th with 0.00% · Utah: 141st with 0.00% · Hagerstown-Martinsburg metro: 28th, 0.13% · Salt Lake City-Murray metro: 115th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3