| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.2% | +1.3% | -17.5 pts |
| Share growth (YoY) | -17.8% | +0.9% | -18.8 pts |
| Loan growth (YoY) | -9.9% | -2.6% | -7.3 pts |
| ROA | 0.57% | 0.65% | -0.1 pts |
| ROE | 4.2% | 4.4% | -0.2 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 | $32.4M | $27.6M | $26.4M | $4.5M | $93K | 0.57% | 5.63% | 1.07% | 2,167 |
| Q1 2026 | $31.7M | $27.0M | $27.0M | $4.4M | $66K | 0.83% | 5.69% | 1.40% | 2,228 |
| Q4 2025 | $35.6M | $30.9M | $27.6M | $4.4M | $202K | 0.57% | 4.94% | 1.43% | 2,330 |
| Q3 2025 | $37.4M | $32.3M | $28.3M | $4.4M | $186K | 0.66% | 4.73% | 1.36% | 2,334 |
| Q2 2025 | $38.6M | $33.6M | $29.3M | $4.3M | $140K | 0.72% | 4.61% | 1.31% | 2,450 |
| Q1 2025 | $38.2M | $33.2M | $30.4M | $4.3M | $84K | 0.88% | 4.89% | 0.83% | 3,383 |
| Q4 2024 | $37.6M | $32.7M | $31.6M | $4.2M | $246K | 0.65% | 4.79% | 0.95% | 3,444 |
| Q3 2024 | $39.5M | $34.5M | $31.8M | $4.1M | $222K | 0.75% | 4.46% | 1.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,460 |
| Q2 2024 | $38.5M | $33.5M | $31.0M | $4.1M | $193K | 1.00% | 4.47% | 1.00% | 3,454 |
Loan mix (Q2 2026): real estate $668K · commercial $161K · consumer $25.5M · securities $17K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 80.6% | 64th |
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.
1 branches in 1 county across 1 state (-1 vs 2025). Biggest market: Los Angeles, CA, ranked 174th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $27.6M* | 0.00% | 174th |
California: 388th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 200th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 2 · 2024 2 · 2025 2 · 2026 1