| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.9% | — |
| Share growth (YoY) | — | +3.3% | — |
| Loan growth (YoY) | — | +2.9% | — |
| ROA | 0.30% | 0.69% | -0.4 pts |
| ROE | 2.5% | 5.9% | -3.4 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $395.1M | $344.5M | $257.7M | $46.5M | $295K | 0.30% | 4.14% | 0.43% | 33,072 |
| Q4 2025 | $388.4M | $337.7M | $257.9M | $46.2M | $2.5M | 0.65% | 4.34% | 0.65% | 33,218 |
| Q3 2025 | $396.0M | $345.9M | $256.6M | $45.9M | $1.9M | 0.63% | 4.23% | 0.73% | 33,592 |
| Q2 2025 | $404.7M | $356.4M | $257.9M | $45.0M | $1.0M | 0.50% | 4.07% | 0.57% | 33,961 |
| Q1 2025 | $391.9M | $343.3M | $261.5M | $44.5M | $425K | 0.43% | 4.13% | 0.43% | 34,276 |
| Q4 2024 | $389.6M | $342.5M | $268.8M | $44.0M | $931K | 0.24% | 4.27% | 0.74% | 37,409 |
| Q3 2024 | $387.8M | $341.1M | $274.6M | $43.7M | $249K | 0.09% | 4.28% | 0.69% | 35,218 |
| Q2 2024 | $390.6M | $343.1M | $281.8M | $43.6M | $154K | 0.08% | 4.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.69% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 5.9% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 35,658 |
Loan mix (Q1 2026): real estate $125.5M · commercial $0 · consumer $127.2M · securities $73.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 52nd |
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.
6 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Whatcom, WA, ranked 9th with 4.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Whatcom, WA | 6 | $356.4M* | 4.40% | 9th |
Washington: 67th with 0.12% · Bellingham metro: 9th, 4.40% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 6 · 2025 6