| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +6.6% | +0.9% | +5.6 pts |
| Loan growth (YoY) | +1.0% | -2.6% | +3.7 pts |
| ROA | 0.59% | 0.65% | -0.1 pts |
| ROE | 4.9% | 4.4% | +0.5 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $99.0M | $87.4M | $53.2M | $11.8M | $291K | 0.59% | 4.66% | 2.28% | 5,083 |
| Q1 2026 | $98.3M | $86.9M | $52.1M | $11.7M | $130K | 0.53% | 4.68% | 0.62% | 5,053 |
| Q4 2025 | $94.8M | $83.6M | $52.8M | $11.5M | $1.2M | 1.24% | 4.92% | 0.67% | 5,039 |
| Q3 2025 | $93.9M | $83.0M | $52.3M | $11.3M | $955K | 1.36% | 4.94% | 0.62% | 5,063 |
| Q2 2025 | $92.5M | $82.0M | $52.6M | $10.9M | $527K | 1.14% | 4.90% | 1.42% | 5,061 |
| Q1 2025 | $94.6M | $84.4M | $52.2M | $10.6M | $205K | 0.87% | 4.69% | 1.40% | 5,059 |
| Q4 2024 | $92.8M | $82.8M | $53.7M | $10.4M | $890K | 0.96% | 5.10% | 2.27% | 5,054 |
| Q3 2024 | $93.0M | $83.7M | $54.4M | $10.2M | $661K | 0.95% | 5.19% | 1.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,052 |
| Q2 2024 | $93.0M | $84.2M | $54.6M | $10.0M | $422K | 0.91% | 4.53% | 2.29% | 5,039 |
Loan mix (Q2 2026): real estate $23.7M · commercial $0 · consumer $21.4M · securities $28.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 80.6% | 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Grant, WA, ranked 13th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grant, WA | 2 | $87.4M* | 3.67% | 13th |
Washington: 103rd with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2