| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +48.9% | +4.1% | +44.7 pts |
| Share growth (YoY) | +50.0% | +3.5% | +46.4 pts |
| Loan growth (YoY) | +25.3% | +2.9% | +22.5 pts |
| ROA | 1.16% | 0.74% | +0.4 pts |
| ROE | 6.8% | 6.5% | +0.3 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $374.8M | $307.3M | $168.9M | $64.2M | $2.2M | 1.16% | 4.35% | 0.75% | 25,916 |
| Q1 2026 | $267.1M | $217.2M | $129.6M | $46.5M | $592K | 0.89% | 4.56% | 0.71% | 18,694 |
| Q4 2025 | $262.7M | $214.1M | $129.5M | $45.9M | $4.4M | 1.69% | 4.71% | 0.86% | 18,692 |
| Q3 2025 | $260.7M | $212.2M | $133.1M | $45.3M | $3.8M | 1.95% | 4.72% | 1.49% | 18,759 |
| Q2 2025 | $251.8M | $204.9M | $134.7M | $44.2M | $2.7M | 2.15% | 4.78% | 3.62% | 18,636 |
| Q1 2025 | $252.4M | $206.8M | $134.9M | $42.6M | $1.1M | 1.67% | 4.72% | 1.33% | 18,637 |
| Q4 2024 | $242.8M | $200.3M | $135.1M | $41.5M | $3.9M | 1.60% | 4.85% | 1.39% | 18,595 |
| Q3 2024 | $245.8M | $204.2M | $134.9M | $40.4M | $2.8M | 1.51% | 4.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.74% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 6.5% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.64% |
| 18,719 |
| Q2 2024 | $247.5M | $207.4M | $134.2M | $39.3M | $1.7M | 1.34% | 4.60% | 1.56% | 18,011 |
Loan mix (Q2 2026): real estate $52.5M · commercial $10.4M · consumer $92.8M · securities $138.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 77.5% | 26th |
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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 31, 2026 | Acquirer | Strait View | Merger | Completed | NCUA |
6 branches in 4 counties across 1 state (+1 vs 2025). Biggest market: Pacific, WA, ranked 3rd with 20.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pacific, WA | 3 | $153.7M* | 20.02% | 3rd |
| Clallam, WA | 1 | $51.2M* | 1.82% | 11th |
| Lewis, WA | 1 | $51.2M* | 2.16% | 10th |
| 1 more county with Pro → | ||||
Washington: 72nd with 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 6