| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +3.9% | -8.3 pts |
| Share growth (YoY) | +1.0% | +3.3% | -2.3 pts |
| Loan growth (YoY) | -4.9% | +2.9% | -7.8 pts |
| ROA | -0.60% | 0.69% | -1.3 pts |
| ROE | -7.2% | 5.9% | -13.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $334.8M | $307.9M | $251.2M | $27.9M | $-501K | -0.60% | 3.72% | 1.10% | 15,962 |
| Q4 2025 | $329.6M | $301.5M | $254.5M | $28.4M | $-744K | -0.23% | 3.78% | 1.17% | 16,172 |
| Q3 2025 | $331.4M | $300.6M | $255.3M | $28.3M | $-807K | -0.32% | 3.76% | 1.19% | 16,217 |
| Q2 2025 | $333.2M | $298.5M | $259.2M | $28.5M | $-568K | -0.34% | 3.71% | 1.98% | 16,269 |
| Q1 2025 | $350.1M | $304.8M | $264.1M | $28.7M | $-406K | -0.46% | 3.52% | 1.63% | 16,529 |
| Q4 2024 | $359.5M | $312.6M | $269.4M | $29.1M | $829K | 0.23% | 3.31% | 0.61% | 16,545 |
| Q3 2024 | $371.3M | $321.5M | $271.6M | $28.7M | $392K | 0.14% | 3.12% | 0.51% | 16,699 |
| Q2 2024 | $362.2M | $306.3M | $272.4M | $28.6M | $373K | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.60% | 0.69% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -7.2% | 5.9% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.22% |
| 0.48% |
| 16,714 |
Loan mix (Q1 2026): real estate $99.3M · commercial $104.2M · consumer $33.6M · securities $38.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 78.7% | 92nd |
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.
5 branches in 2 counties across 1 state (+1 vs 2024). Biggest market: Columbia, OR, ranked 1st with 22.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Columbia, OR | 4 | $238.8M* | 22.18% | 1st |
| Washington, OR | 1 | $59.7M* | 0.36% | 21st |
Oregon: 46th with 0.21% · Portland-Vancouver-Hillsboro metro: 25th, 0.34% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 5