| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.1% | -1.2 pts |
| Share growth (YoY) | +2.2% | +3.5% | -1.3 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.0 pts |
| ROA | 0.60% | 0.74% | -0.1 pts |
| ROE | 6.3% | 6.5% | -0.1 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116.6M | $110.5M | $73.9M | $11.1M | $352K | 0.60% | 3.68% | 0.22% | 6,914 |
| Q1 2026 | $114.3M | $108.3M | $73.5M | $10.9M | $134K | 0.47% | 3.74% | 0.13% | 6,971 |
| Q4 2025 | $114.3M | $108.7M | $72.2M | $10.8M | $830K | 0.73% | 3.91% | 0.19% | 7,025 |
| Q3 2025 | $111.5M | $105.8M | $73.1M | $10.6M | $665K | 0.80% | 4.03% | 0.10% | 7,096 |
| Q2 2025 | $113.3M | $108.1M | $71.8M | $10.4M | $469K | 0.83% | 4.00% | 0.04% | 12,573 |
| Q1 2025 | $114.1M | $109.0M | $71.7M | $10.2M | $253K | 0.89% | 3.91% | 0.24% | 12,731 |
| Q4 2024 | $110.7M | $106.2M | $71.4M | $9.9M | $1.0M | 0.94% | 3.71% | 0.24% | 12,688 |
| Q3 2024 | $110.5M | $105.5M | $71.3M | $9.7M | $785K | 0.95% | 3.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.74% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.5% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 12,678 |
| Q2 2024 | $110.4M | $106.0M | $71.3M | $9.4M | $489K | 0.89% | 3.57% | 0.40% | 12,650 |
Loan mix (Q2 2026): real estate $33.2M · commercial $6.0M · consumer $34.4M · securities $22.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 77.5% | 68th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: San Bernardino, CA, ranked 47th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Bernardino, CA | 2 | $73.6M* | 0.15% | 47th |
| Riverside, CA | 1 | $36.8M* | 0.07% | 36th |
California: 297th with 0.01% · Riverside-San Bernardino-Ontario metro: 52nd, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3