| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.1% | +0.9% | -5.1 pts |
| Loan growth (YoY) | -7.9% | -2.6% | -5.3 pts |
| ROA | -0.19% | 0.65% | -0.8 pts |
| ROE | -0.8% | 4.4% | -5.2 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $644K | $494K | $282K | $149K | $-620 | -0.19% | 1.48% | 3.25% | 67 |
| Q1 2026 | $645K | $493K | $281K | $150K | $484 | 0.30% | 1.25% | 3.94% | 68 |
| Q4 2025 | $644K | $492K | $302K | $150K | $5K | 0.74% | 3.83% | 12.84% | 69 |
| Q3 2025 | $658K | $503K | $290K | $153K | $8K | 1.71% | 3.38% | 11.86% | 67 |
| Q2 2025 | $667K | $515K | $306K | $150K | $7K | 2.20% | 4.09% | 22.87% | 69 |
| Q1 2025 | $652K | $499K | $284K | $151K | $6K | 3.50% | 5.04% | 6.08% | 77 |
| Q4 2024 | $652K | $505K | $272K | $145K | $8K | 1.18% | 2.33% | 7.61% | 75 |
| Q3 2024 | $637K | $495K | $285K | $140K | $3K | 0.55% | 2.39% | 7.43% | 73 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $643K |
| $502K |
| $326K |
| $140K |
| $2K |
| 0.71% |
| 2.68% |
| 0.00% |
| 73 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $282K · securities $325K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.1% | 80.6% | 93rd |
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 1 county across 1 state (+0 vs 2025). Biggest market: Los Angeles, CA, ranked 190th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $494K* | 0.00% | 190th |
California: 435th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 219th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2