| Metric | Latah Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.1% | +1.4 pts |
| Share growth (YoY) | +4.1% | +3.5% | +0.6 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.1 pts |
| ROA | 1.64% | 0.74% | +0.9 pts |
| ROE | 14.1% | 6.5% | +7.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $170.4M | $151.0M | $94.7M | $19.8M | $1.4M | 1.64% | 3.46% | 0.54% | 8,344 |
| Q1 2026 | $169.2M | $150.6M | $92.4M | $19.1M | $672K | 1.59% | 3.42% | 0.46% | 8,264 |
| Q4 2025 | $164.0M | $146.4M | $93.7M | $18.4M | $2.6M | 1.61% | 3.56% | 0.55% | 8,193 |
| Q3 2025 | $163.0M | $145.7M | $93.0M | $18.0M | $2.2M | 1.82% | 3.54% | 0.48% | 8,157 |
| Q2 2025 | $161.5M | $145.0M | $92.0M | $17.2M | $1.4M | 1.76% | 3.51% | 0.48% | 8,100 |
| Q1 2025 | $161.8M | $146.2M | $89.0M | $16.5M | $699K | 1.73% | 3.44% | 0.43% | 8,017 |
| Q4 2024 | $160.1M | $145.6M | $86.1M | $15.8M | $2.6M | 1.62% | 3.40% | 0.53% | 7,969 |
| Q3 2024 | $159.3M | $144.9M | $85.3M | $15.2M | $2.0M | 1.65% | 3.37% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Latah Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.74% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 6.5% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 7,952 |
| Q2 2024 | $155.4M | $141.8M | $85.1M | $14.4M | $1.3M | 1.61% | 3.37% | 0.42% | 7,900 |
Loan mix (Q2 2026): real estate $40.6M · commercial $24.0M · consumer $17.5M · securities $42.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 77.5% | 7th |
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 | Latah 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 | Latah 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 | Latah 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 | Latah 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 | Latah 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.
4 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Latah, ID, ranked 7th with 6.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Latah, ID | 2 | $75.5M* | 6.74% | 7th |
| Nez Perce, ID | 1 | $37.7M* | 2.81% | 11th |
| Benewah, ID | 1 | $37.7M* | 13.69% | 4th |
Idaho: 47th with 0.22% · Lewiston metro: 13th, 1.96% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4