| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +1.3% | -7.8 pts |
| Share growth (YoY) | -9.2% | +0.9% | -10.2 pts |
| Loan growth (YoY) | -4.6% | -2.6% | -2.0 pts |
| ROA | 1.12% | 0.65% | +0.5 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.8M | $33.2M | $28.9M | $6.7M | $223K | 1.12% | 3.83% | 2.77% | 2,662 |
| Q1 2026 | $39.9M | $33.4M | $28.4M | $6.6M | $131K | 1.31% | 3.77% | 1.52% | 2,640 |
| Q4 2025 | $40.1M | $33.6M | $29.1M | $6.4M | $707K | 1.76% | 4.02% | 2.71% | 2,647 |
| Q3 2025 | $40.8M | $34.6M | $30.3M | $6.2M | $497K | 1.63% | 3.91% | 2.46% | 2,695 |
| Q2 2025 | $42.6M | $36.6M | $30.3M | $6.1M | $321K | 1.51% | 3.62% | 2.14% | 2,674 |
| Q1 2025 | $39.2M | $33.3M | $29.9M | $5.9M | $205K | 2.09% | 3.69% | 1.83% | 2,670 |
| Q4 2024 | $37.8M | $32.1M | $30.1M | $5.8M | $453K | 1.20% | 3.80% | 0.62% | 2,646 |
| Q3 2024 | $37.3M | $31.8M | $30.1M | $5.6M | $286K | 1.02% | 3.83% | 1.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,644 |
| Q2 2024 | $37.8M | $32.4M | $30.2M | $5.5M | $249K | 1.32% | 3.75% | 0.93% | 2,635 |
Loan mix (Q2 2026): real estate $8.7M · commercial $0 · consumer $16.6M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 80.6% | 28th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Salt Lake, UT, ranked 74th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 3 | $33.2M* | 0.00% | 74th |
Utah: 100th with 0.00% · Salt Lake City-Murray metro: 74th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3