| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +1.6% | +0.9% | +0.7 pts |
| Loan growth (YoY) | +4.9% | -2.6% | +7.5 pts |
| ROA | 1.62% | 0.65% | +1.0 pts |
| ROE | 6.8% | 4.4% | +2.4 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.3M | $29.7M | $18.7M | $9.4M | $319K | 1.62% | 3.85% | 0.33% | 1,101 |
| Q1 2026 | $40.0M | $30.6M | $18.1M | $9.2M | $152K | 1.52% | 3.75% | 0.35% | 1,102 |
| Q4 2025 | $37.3M | $28.0M | $18.0M | $9.1M | $645K | 1.73% | 3.99% | 0.35% | 1,014 |
| Q3 2025 | $38.0M | $28.9M | $18.2M | $8.8M | $381K | 1.34% | 3.91% | 0.41% | 1,025 |
| Q2 2025 | $38.2M | $29.3M | $17.9M | $8.7M | $258K | 1.35% | 3.81% | 0.27% | 1,034 |
| Q1 2025 | $39.8M | $31.1M | $17.8M | $8.5M | $134K | 1.35% | 3.51% | 0.27% | 1,048 |
| Q4 2024 | $39.4M | $30.9M | $18.2M | $8.4M | $715K | 1.82% | 3.79% | 0.27% | 1,047 |
| Q3 2024 | $40.0M | $31.8M | $18.5M | $8.2M | $518K | 1.73% | 3.72% | 0.43% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,051 |
| Q2 2024 | $39.7M | $31.5M | $18.1M | $8.0M | $316K | 1.59% | 3.65% | 0.45% | 1,057 |
Loan mix (Q2 2026): real estate $11.5M · commercial $0 · consumer $5.6M · securities $15.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 80.6% | 12th |
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: Clark, WA, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, WA | 1 | $29.7M* | 0.21% | 28th |
Washington: 137th with 0.01% · Portland-Vancouver-Hillsboro metro: 61st, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1