| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -19.1% | +1.3% | -20.4 pts |
| Share growth (YoY) | -21.5% | +0.9% | -22.4 pts |
| Loan growth (YoY) | -5.4% | -2.6% | -2.8 pts |
| ROA | 0.04% | 0.65% | -0.6 pts |
| ROE | 0.3% | 4.4% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.2M | $2.8M | $2.9M | $438K | $643 | 0.04% | 6.28% | 2.30% | 459 |
| Q1 2026 | $3.3M | $2.9M | $2.9M | $441K | $3K | 0.38% | 6.16% | 5.34% | 466 |
| Q4 2025 | $3.8M | $3.4M | $3.0M | $437K | $17K | 0.45% | 5.97% | 2.86% | 481 |
| Q3 2025 | $4.0M | $3.6M | $3.1M | $430K | $9K | 0.31% | 5.64% | 0.48% | 490 |
| Q2 2025 | $4.0M | $3.6M | $3.1M | $426K | $6K | 0.29% | 5.59% | 0.74% | 496 |
| Q1 2025 | $4.1M | $3.7M | $3.1M | $422K | $2K | 0.17% | 5.38% | 1.43% | 510 |
| Q4 2024 | $4.1M | $3.7M | $3.2M | $420K | $-19K | -0.46% | 5.38% | 0.33% | 522 |
| Q3 2024 | $4.3M | $3.8M | $3.3M | $434K | $-5K | -0.17% | 5.21% | 0.06% | 539 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 6.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.3M |
| $3.9M |
| $3.4M |
| $432K |
| $-7K |
| -0.33% |
| 5.01% |
| 0.42% |
| 500 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $11K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.5% | 80.6% | 86th |
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: Multnomah, OR, ranked 41st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Multnomah, OR | 1 | $1.4M* | 0.00% | 41st |
| Clackamas, OR | 1 | $1.4M* | 0.01% | 33rd |
Oregon: 91st with 0.00% · Portland-Vancouver-Hillsboro metro: 65th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2