| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.2% | +0.9% | +0.3 pts |
| Loan growth (YoY) | -6.1% | -2.6% | -3.5 pts |
| ROA | 1.01% | 0.65% | +0.4 pts |
| ROE | 5.5% | 4.4% | +1.1 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.2M | $27.0M | $16.3M | $6.1M | $168K | 1.01% | 3.32% | 2.80% | 1,937 |
| Q1 2026 | $32.8M | $26.7M | $16.4M | $6.0M | $111K | 1.35% | 3.48% | 0.55% | 1,979 |
| Q4 2025 | $32.3M | $26.3M | $16.6M | $5.9M | $307K | 0.95% | 3.14% | 3.24% | 1,975 |
| Q3 2025 | $32.8M | $26.9M | $17.2M | $5.9M | $260K | 1.05% | 3.03% | 1.29% | 2,005 |
| Q2 2025 | $32.6M | $26.7M | $17.3M | $5.8M | $218K | 1.34% | 3.14% | 0.85% | 2,032 |
| Q1 2025 | $32.4M | $26.6M | $18.2M | $5.7M | $34K | 0.42% | 1.01% | 0.22% | 2,043 |
| Q4 2024 | $31.0M | $25.4M | $18.4M | $5.6M | $367K | 1.18% | 3.00% | 0.54% | 2,050 |
| Q3 2024 | $32.0M | $26.4M | $18.9M | $5.6M | $293K | 1.22% | 2.88% | 0.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,050 |
| Q2 2024 | $32.5M | $27.0M | $19.5M | $5.4M | $188K | 1.16% | 2.74% | 0.43% | 2,064 |
Loan mix (Q2 2026): real estate $6.0M · commercial $0 · consumer $8.1M · securities $15.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 80.6% | 22nd |
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.
2 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Cache, UT, ranked 18th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cache, UT | 1 | $13.5M* | 0.26% | 18th |
| Salt Lake, UT | 1 | $13.5M* | 0.00% | 102nd |
Utah: 110th with 0.00% · Logan metro: 20th, 0.25% · Salt Lake City-Murray metro: 102nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2