| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +1.3% | -7.5 pts |
| Share growth (YoY) | -9.3% | +0.9% | -10.2 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.3 pts |
| ROA | 0.63% | 0.65% | -0.0 pts |
| ROE | 1.7% | 4.4% | -2.7 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.1M | $1.3M | $340K | $770K | $7K | 0.63% | 3.29% | 0.00% | 127 |
| Q1 2026 | $2.1M | $1.3M | $315K | $767K | $3K | 0.49% | 3.64% | 0.00% | 127 |
| Q4 2025 | $2.1M | $1.4M | $313K | $764K | $-16K | -0.74% | 2.99% | 0.00% | 127 |
| Q3 2025 | $2.2M | $1.5M | $351K | $766K | $-6K | -0.35% | 2.88% | 0.00% | 130 |
| Q2 2025 | $2.2M | $1.4M | $332K | $774K | $4K | 0.38% | 2.91% | 0.00% | 131 |
| Q1 2025 | $2.2M | $1.4M | $311K | $770K | $-2K | -0.28% | 2.97% | 0.00% | 131 |
| Q4 2024 | $2.2M | $1.4M | $314K | $775K | $21K | 0.95% | 3.83% | 0.01% | 132 |
| Q3 2024 | $2.2M | $1.4M | $357K | $767K | $-17K | -1.05% | 2.12% | 1.49% | 135 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.2M | $1.4M | $332K | $758K | $4K | 0.34% | 3.81% | 9.76% | 139 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $283K · securities $452K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 80.6% | 51st |
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 2 states (+0 vs 2025). Biggest market: Salt Lake, UT, ranked 141st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $653K* | 0.00% | 141st |
| Logan, OH | 1 | $653K* | 0.05% | 17th |
Utah: 174th with 0.00% · Ohio: 395th with 0.00% · Salt Lake City-Murray metro: 141st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2