| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.3 pts |
| Loan growth (YoY) | -5.8% | -2.6% | -3.2 pts |
| ROA | 0.75% | 0.65% | +0.1 pts |
| ROE | 2.3% | 4.4% | -2.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.0M | $4.1M | $4.6M | $1.9M | $23K | 0.75% | 4.89% | 1.50% | 679 |
| Q1 2026 | $6.0M | $4.0M | $4.6M | $1.9M | $14K | 0.93% | 5.18% | 1.69% | 689 |
| Q4 2025 | $5.9M | $4.0M | $4.7M | $1.9M | $72K | 1.21% | 5.12% | 1.48% | 706 |
| Q3 2025 | $6.0M | $4.1M | $4.7M | $1.9M | $65K | 1.43% | 5.15% | 2.03% | 742 |
| Q2 2025 | $6.0M | $4.1M | $4.9M | $1.9M | $41K | 1.35% | 5.04% | 0.00% | 747 |
| Q1 2025 | $5.7M | $3.8M | $4.8M | $1.9M | $26K | 1.82% | 5.70% | 0.46% | 750 |
| Q4 2024 | $5.7M | $3.8M | $4.9M | $1.8M | $83K | 1.45% | 5.22% | 0.02% | 768 |
| Q3 2024 | $5.7M | $3.8M | $4.9M | $1.8M | $73K | 1.72% | 5.40% | 0.00% | 775 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.6M | $3.7M | $5.0M | $1.8M | $47K | 1.70% | 5.53% | 0.00% | 773 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $278K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 80.6% | 37th |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Davis, UT, ranked 27th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davis, UT | 1 | $2.0M* | 0.02% | 27th |
| Waukesha, WI | 1 | $2.0M* | 0.01% | 66th |
Utah: 167th with 0.00% · Wisconsin: 323rd with 0.00% · Ogden metro: 32nd, 0.01% · Milwaukee-Waukesha metro: 86th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2