| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.1% | +0.2 pts |
| Share growth (YoY) | +4.3% | +3.5% | +0.7 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.1 pts |
| ROA | 0.47% | 0.74% | -0.3 pts |
| ROE | 3.5% | 6.5% | -3.0 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.5M | $92.8M | $53.2M | $14.6M | $253K | 0.47% | 2.73% | 0.49% | 4,406 |
| Q1 2026 | $109.3M | $94.8M | $51.8M | $14.5M | $111K | 0.41% | 2.60% | 0.07% | 4,430 |
| Q4 2025 | $108.0M | $93.4M | $55.6M | $14.4M | $133K | 0.12% | 2.40% | 0.00% | 4,454 |
| Q3 2025 | $107.6M | $93.2M | $55.3M | $14.3M | $83K | 0.10% | 2.34% | 0.00% | 4,454 |
| Q2 2025 | $103.0M | $89.0M | $53.9M | $14.3M | $60K | 0.12% | 2.44% | 0.05% | 4,471 |
| Q1 2025 | $105.1M | $91.1M | $56.1M | $14.2M | $21K | 0.08% | 2.31% | 0.00% | 4,492 |
| Q4 2024 | $103.0M | $89.5M | $54.0M | $14.2M | $135K | 0.13% | 2.23% | 0.00% | 4,526 |
| Q3 2024 | $101.8M | $87.6M | $54.2M | $14.2M | $106K | 0.14% | 2.19% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.74% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.5% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 4,516 |
| Q2 2024 | $102.3M | $89.2M | $50.7M | $14.2M | $101K | 0.20% | 2.19% | 0.02% | 4,535 |
Loan mix (Q2 2026): real estate $3.6M · commercial $30.6M · consumer $17.0M · securities $44.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 77.5% | 73rd |
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: Lassen, CA, ranked 4th with 12.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lassen, CA | 1 | $92.8M* | 12.17% | 4th |
California: 313th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1