| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +3.9% | -6.0 pts |
| Share growth (YoY) | -2.8% | +3.3% | -6.1 pts |
| Loan growth (YoY) | +0.0% | +2.9% | -2.9 pts |
| ROA | 0.40% | 0.69% | -0.3 pts |
| ROE | 3.5% | 5.9% | -2.4 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $359.9M | $316.7M | $280.9M | $41.3M | $362K | 0.40% | 3.08% | 0.21% | 18,585 |
| Q4 2025 | $364.1M | $320.8M | $283.7M | $41.0M | $1.2M | 0.34% | 3.01% | 0.27% | 18,768 |
| Q3 2025 | $366.2M | $323.7M | $274.8M | $40.7M | $887K | 0.32% | 2.96% | 0.19% | 18,791 |
| Q2 2025 | $366.8M | $324.2M | $279.6M | $40.3M | $486K | 0.27% | 2.89% | 0.19% | 18,998 |
| Q1 2025 | $367.8M | $325.8M | $280.9M | $39.9M | $128K | 0.14% | 2.74% | 0.29% | 19,249 |
| Q4 2024 | $360.7M | $318.9M | $279.2M | $39.8M | $987K | 0.27% | 2.77% | 0.41% | 19,305 |
| Q3 2024 | $364.2M | $312.4M | $274.7M | $39.6M | $729K | 0.27% | 2.77% | 0.13% | 19,295 |
| Q2 2024 | $353.7M | $301.6M | $276.2M | $39.2M | $345K | 0.19% | 2.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 19,321 |
Loan mix (Q1 2026): real estate $105.6M · commercial $0 · consumer $105.8M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 78.7% | 37th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Los Angeles, CA, ranked 95th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $324.2M* | 0.06% | 95th |
California: 225th with 0.02% · Los Angeles-Long Beach-Anaheim metro: 112th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1