| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +1.3% | +7.2 pts |
| Share growth (YoY) | +8.8% | +0.9% | +7.9 pts |
| Loan growth (YoY) | +6.2% | -2.6% | +8.9 pts |
| ROA | 0.55% | 0.65% | -0.1 pts |
| ROE | 6.1% | 4.4% | +1.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.3M | $69.8M | $60.4M | $6.9M | $211K | 0.55% | 3.66% | 0.02% | 5,870 |
| Q1 2026 | $78.2M | $70.4M | $59.8M | $6.7M | $-8K | -0.04% | 3.53% | 0.05% | 5,856 |
| Q4 2025 | $72.9M | $65.6M | $59.2M | $6.7M | $820K | 1.12% | 3.76% | 0.21% | 5,835 |
| Q3 2025 | $73.5M | $66.5M | $56.9M | $6.4M | $568K | 1.03% | 3.71% | 0.30% | 5,880 |
| Q2 2025 | $71.2M | $64.2M | $56.8M | $6.2M | $356K | 1.00% | 3.84% | 0.08% | 5,831 |
| Q1 2025 | $71.6M | $64.8M | $56.3M | $6.0M | $168K | 0.94% | 3.78% | 0.14% | 5,805 |
| Q4 2024 | $71.1M | $64.6M | $54.6M | $5.9M | $664K | 0.93% | 3.33% | 0.22% | 5,795 |
| Q3 2024 | $68.8M | $62.3M | $55.3M | $5.7M | $455K | 0.88% | 3.41% | 0.15% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,837 |
| Q2 2024 | $67.1M | $60.8M | $54.2M | $5.6M | $313K | 0.93% | 3.55% | 0.12% | 5,775 |
Loan mix (Q2 2026): real estate $28.4M · commercial $0 · consumer $19.9M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 80.6% | 49th |
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 2025). Biggest market: Ada, ID, ranked 34th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ada, ID | 2 | $69.8M* | 0.28% | 34th |
Idaho: 55th with 0.10% · Boise City metro: 38th, 0.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2