| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.9% | +0.9% | -2.9 pts |
| Loan growth (YoY) | -0.9% | -2.6% | +1.8 pts |
| ROA | 0.32% | 0.65% | -0.3 pts |
| ROE | 2.3% | 4.4% | -2.1 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.1M | $41.2M | $27.7M | $6.7M | $78K | 0.32% | 4.35% | 0.58% | 5,878 |
| Q1 2026 | $50.1M | $41.7M | $27.3M | $6.8M | $42K | 0.33% | 4.23% | 0.28% | 5,980 |
| Q4 2025 | $48.6M | $41.3M | $27.4M | $6.7M | $238K | 0.49% | 4.40% | 0.89% | 6,125 |
| Q3 2025 | $48.4M | $41.0M | $27.9M | $6.7M | $211K | 0.58% | 4.45% | 0.33% | 6,267 |
| Q2 2025 | $49.4M | $42.0M | $27.9M | $6.6M | $107K | 0.43% | 4.24% | 0.71% | 6,397 |
| Q1 2025 | $48.6M | $41.3M | $27.8M | $6.6M | $32K | 0.27% | 4.25% | 0.28% | 6,242 |
| Q4 2024 | $48.0M | $41.0M | $28.0M | $6.5M | $168K | 0.35% | 4.34% | 0.38% | 6,167 |
| Q3 2024 | $48.2M | $41.3M | $27.5M | $6.5M | $115K | 0.32% | 4.33% | 0.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,300 |
| Q2 2024 | $50.1M | $42.8M | $26.9M | $6.4M | $70K | 0.28% | 4.17% | 0.73% | 6,390 |
Loan mix (Q2 2026): real estate $13.7M · commercial $182K · consumer $12.8M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 80.6% | 70th |
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: Maricopa, AZ, ranked 81st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maricopa, AZ | 3 | $41.2M* | 0.02% | 81st |
Arizona: 97th with 0.02% · Phoenix-Mesa-Chandler metro: 83rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 3