| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -7.4% | +0.9% | -8.3 pts |
| Loan growth (YoY) | -6.5% | -2.6% | -3.8 pts |
| ROA | -0.03% | 0.65% | -0.7 pts |
| ROE | -0.3% | 4.4% | -4.6 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.3M | $26.4M | $24.0M | $3.7M | $-5K | -0.03% | 3.51% | 0.00% | 1,636 |
| Q1 2026 | $31.4M | $27.6M | $24.5M | $3.6M | $-59K | -0.75% | 3.35% | 0.00% | 1,655 |
| Q4 2025 | $31.9M | $27.9M | $24.8M | $3.7M | $17K | 0.05% | 3.47% | 0.00% | 1,601 |
| Q3 2025 | $31.9M | $27.9M | $25.2M | $3.7M | $-7K | -0.03% | 3.46% | 0.00% | 1,669 |
| Q2 2025 | $32.5M | $28.5M | $25.7M | $3.7M | $-9K | -0.06% | 3.42% | 0.14% | 1,675 |
| Q1 2025 | $32.9M | $29.0M | $25.9M | $3.7M | $-19K | -0.23% | 3.42% | 0.12% | 1,671 |
| Q4 2024 | $34.5M | $30.5M | $26.0M | $3.7M | $-10K | -0.03% | 3.13% | 0.10% | 1,691 |
| Q3 2024 | $33.6M | $29.6M | $25.3M | $3.7M | $-17K | -0.07% | 3.17% | 0.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,713 |
| Q2 2024 | $30.8M | $26.9M | $25.3M | $3.7M | $-11K | -0.07% | 3.44% | 0.10% | 1,723 |
Loan mix (Q2 2026): real estate $23.3M · commercial $0 · consumer $703K · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.8% | 80.6% | 87th |
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.
4 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Salt Lake, UT, ranked 104th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 2 | $13.2M* | 0.00% | 104th |
| Queens, NY | 2 | $13.2M* | 0.01% | 67th |
New York: 383rd with 0.00% · Utah: 131st with 0.00% · New York-Newark-Jersey City metro: 246th, 0.00% · Salt Lake City-Murray metro: 104th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4