| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.0% | +1.3% | +12.7 pts |
| Share growth (YoY) | +14.7% | +0.9% | +13.8 pts |
| Loan growth (YoY) | +12.8% | -2.6% | +15.5 pts |
| ROA | 2.50% | 0.65% | +1.9 pts |
| ROE | 12.1% | 4.4% | +7.7 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $62.9M | $50.0M | $41.7M | $13.1M | $787K | 2.50% | 4.97% | 1.01% | 4,536 |
| Q1 2026 | $60.3M | $47.7M | $41.0M | $12.7M | $425K | 2.82% | 5.02% | 1.18% | 4,434 |
| Q4 2025 | $58.1M | $45.9M | $40.8M | $12.3M | $1.3M | 2.20% | 5.50% | 1.15% | 4,332 |
| Q3 2025 | $55.7M | $43.7M | $38.8M | $12.0M | $1.0M | 2.40% | 5.80% | 0.74% | 4,187 |
| Q2 2025 | $55.2M | $43.6M | $36.9M | $11.6M | $651K | 2.36% | 5.84% | 1.22% | 4,233 |
| Q1 2025 | $56.4M | $45.1M | $36.2M | $11.3M | $343K | 2.43% | 5.63% | 1.13% | 4,287 |
| Q4 2024 | $55.7M | $44.6M | $36.4M | $11.0M | $1.4M | 2.60% | 5.57% | 0.92% | 4,196 |
| Q3 2024 | $54.7M | $44.0M | $36.9M | $10.6M | $1.1M | 2.71% | 5.55% | 1.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.50% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 4.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,368 |
| Q2 2024 | $54.0M | $43.7M | $37.1M | $10.2M | $688K | 2.55% | 5.47% | 1.28% | 4,389 |
Loan mix (Q2 2026): real estate $3.0M · commercial $0 · consumer $35.5M · securities $15.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.8% | 80.6% | 2nd |
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 2025). Biggest market: Bonneville, ID, ranked 15th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bonneville, ID | 1 | $50.0M* | 1.06% | 15th |
Idaho: 56th with 0.07% · Idaho Falls metro: 15th, 0.90% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1