| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.5 pts |
| Share growth (YoY) | -3.6% | +0.9% | -4.5 pts |
| Loan growth (YoY) | -11.9% | -2.6% | -9.3 pts |
| ROA | 0.97% | 0.65% | +0.3 pts |
| ROE | 7.9% | 4.4% | +3.5 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.6M | $7.5M | $2.6M | $1.0M | $41K | 0.97% | 3.27% | 4.64% | 824 |
| Q1 2026 | $8.6M | $7.5M | $2.7M | $1.0M | $12K | 0.56% | 3.28% | 3.11% | 841 |
| Q4 2025 | $8.7M | $7.6M | $2.8M | $1.0M | $81K | 0.94% | 3.22% | 1.94% | 853 |
| Q3 2025 | $8.7M | $7.7M | $2.7M | $985K | $70K | 1.07% | 3.08% | 1.69% | 851 |
| Q2 2025 | $8.8M | $7.8M | $2.9M | $961K | $33K | 0.75% | 3.00% | 1.14% | 864 |
| Q1 2025 | $8.5M | $7.5M | $2.9M | $937K | $9K | 0.44% | 3.06% | 1.88% | 860 |
| Q4 2024 | $8.6M | $7.6M | $3.0M | $928K | $69K | 0.81% | 3.24% | 0.18% | 865 |
| Q3 2024 | $8.6M | $7.6M | $3.2M | $915K | $57K | 0.87% | 3.23% | 0.70% | 872 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $8.9M |
| $7.9M |
| $3.2M |
| $896K |
| $38K |
| 0.85% |
| 3.09% |
| 0.55% |
| 881 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 80.6% | 25th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Los Angeles, CA, ranked 182nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $7.5M* | 0.00% | 182nd |
California: 416th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 209th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1