| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.4% | +0.9% | +2.5 pts |
| Loan growth (YoY) | -5.1% | -2.6% | -2.5 pts |
| ROA | 1.80% | 0.65% | +1.2 pts |
| ROE | 12.8% | 4.4% | +8.4 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.5M | $19.2M | $13.8M | $3.2M | $203K | 1.80% | 4.42% | 1.31% | 2,851 |
| Q1 2026 | $22.5M | $19.3M | $13.7M | $3.1M | $86K | 1.53% | 4.30% | 1.47% | 2,831 |
| Q4 2025 | $22.3M | $19.2M | $14.1M | $3.0M | $306K | 1.37% | 4.23% | 0.46% | 2,817 |
| Q3 2025 | $22.1M | $19.1M | $14.3M | $2.9M | $211K | 1.27% | 4.22% | 0.10% | 2,786 |
| Q2 2025 | $21.5M | $18.6M | $14.5M | $2.8M | $128K | 1.19% | 4.19% | 1.19% | 2,750 |
| Q1 2025 | $21.6M | $18.7M | $14.6M | $2.7M | $60K | 1.11% | 4.12% | 0.39% | 2,721 |
| Q4 2024 | $22.2M | $19.4M | $14.8M | $2.7M | $188K | 0.85% | 4.00% | 0.30% | 2,712 |
| Q3 2024 | $22.0M | $19.2M | $15.1M | $2.7M | $166K | 1.00% | 3.95% | 2.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,688 |
| Q2 2024 | $22.2M | $19.4M | $15.1M | $2.6M | $116K | 1.05% | 3.86% | 3.33% | 2,665 |
Loan mix (Q2 2026): real estate $4.3M · commercial $143K · consumer $8.4M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 80.6% | 13th |
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 (+0 vs 2025). Biggest market: Marion, OR, ranked 26th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, OR | 1 | $19.2M* | 0.20% | 26th |
Oregon: 88th with 0.01% · Salem metro: 27th, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1