| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +1.3% | +9.2 pts |
| Share growth (YoY) | +11.2% | +0.7% | +10.6 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.3 pts |
| ROA | 1.13% | 0.60% | +0.5 pts |
| ROE | 12.3% | 4.1% | +8.2 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.2M | $67.4M | $48.4M | $7.1M | $218K | 1.13% | 4.66% | 3.94% | 6,090 |
| Q4 2025 | $73.9M | $64.1M | $50.9M | $6.8M | $493K | 0.67% | 4.46% | 4.93% | 6,100 |
| Q3 2025 | $70.1M | $60.6M | $51.7M | $6.7M | $293K | 0.56% | 4.57% | 4.20% | 6,012 |
| Q2 2025 | $71.0M | $61.7M | $50.7M | $6.5M | $157K | 0.44% | 4.40% | 4.96% | 5,925 |
| Q1 2025 | $69.9M | $60.6M | $50.3M | $6.4M | $73K | 0.42% | 4.26% | 3.87% | 5,875 |
| Q4 2024 | $66.7M | $58.0M | $48.6M | $6.4M | $189K | 0.28% | 4.73% | 3.17% | 5,839 |
| Q3 2024 | $63.1M | $55.8M | $49.9M | $6.3M | $91K | 0.19% | 4.96% | 2.12% | 6,936 |
| Q2 2024 | $65.1M | $57.8M | $52.5M | $6.2M | $32K | 0.10% | 4.70% | 2.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 4.1% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,936 |
Loan mix (Q1 2026): real estate $33.5M · commercial $0 · consumer $13.6M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 81.5% | 38th |
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 2024). Biggest market: Hawaii, HI, ranked 12th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hawaii, HI | 2 | $61.7M* | 0.90% | 12th |
Hawaii: 39th with 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2