| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.9% | +1.3% | +14.6 pts |
| Share growth (YoY) | +15.4% | +0.9% | +14.4 pts |
| Loan growth (YoY) | +22.8% | -2.6% | +25.4 pts |
| ROA | 1.75% | 0.65% | +1.1 pts |
| ROE | 18.8% | 4.4% | +14.5 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.4M | $62.0M | $55.0M | $6.3M | $598K | 1.75% | 4.29% | 3.03% | 4,013 |
| Q1 2026 | $65.4M | $59.3M | $50.0M | $6.0M | $263K | 1.61% | 4.22% | 3.03% | 3,926 |
| Q4 2025 | $65.7M | $59.9M | $49.1M | $5.8M | $893K | 1.36% | 3.71% | 2.68% | 3,817 |
| Q3 2025 | $60.1M | $54.5M | $46.9M | $5.5M | $625K | 1.39% | 3.91% | 1.66% | 3,699 |
| Q2 2025 | $59.1M | $53.7M | $44.8M | $5.2M | $367K | 1.24% | 3.76% | 1.78% | 3,634 |
| Q1 2025 | $57.2M | $52.0M | $41.9M | $5.1M | $205K | 1.44% | 3.57% | 1.48% | 3,555 |
| Q4 2024 | $56.1M | $51.1M | $41.2M | $4.9M | $830K | 1.48% | 3.66% | 2.02% | 3,484 |
| Q3 2024 | $50.7M | $46.0M | $39.8M | $4.6M | $598K | 1.57% | 4.01% | 1.65% |
| Ratio | Kings Peak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,400 |
| Q2 2024 | $48.8M | $44.4M | $38.6M | $4.4M | $341K | 1.40% | 4.01% | 1.56% | 3,338 |
Loan mix (Q2 2026): real estate $19.1M · commercial $0 · consumer $28.1M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 80.6% | 8th |
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 | Kings Peak Credit Union | 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 | Kings Peak Credit Union | 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 | Kings Peak Credit Union | 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 | Kings Peak Credit Union | 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 | Kings Peak Credit Union | 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: Duchesne, UT, ranked 4th with 5.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Duchesne, UT | 1 | $62.0M* | 5.68% | 4th |
Utah: 86th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1