| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +1.3% | +11.1 pts |
| Share growth (YoY) | +14.9% | +0.9% | +14.0 pts |
| Loan growth (YoY) | +8.8% | -2.6% | +11.4 pts |
| ROA | 0.17% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $574K | $483K | $425K | $89K | $487 | 0.17% | 3.41% | 2.42% | 338 |
| Q1 2026 | $532K | $442K | $373K | $88K | $190 | 0.14% | 3.82% | 2.77% | 337 |
| Q4 2025 | $528K | $438K | $411K | $88K | $766 | 0.14% | 4.06% | 2.58% | 341 |
| Q3 2025 | $536K | $446K | $439K | $88K | $652 | 0.16% | 4.05% | 6.98% | 339 |
| Q2 2025 | $511K | $421K | $390K | $88K | $567 | 0.22% | 4.26% | 7.26% | 337 |
| Q1 2025 | $514K | $424K | $422K | $88K | $246 | 0.19% | 4.68% | 6.96% | 337 |
| Q4 2024 | $509K | $419K | $475K | $87K | $3K | 0.56% | 4.92% | 5.68% | 340 |
| Q3 2024 | $529K | $440K | $511K | $86K | $2K | 0.47% | 4.76% | 2.85% | 343 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $548K |
| $461K |
| $461K |
| $85K |
| $908 |
| 0.33% |
| 4.65% |
| 3.53% |
| 342 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $241K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 80.6% | 81st |
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: Cassia, ID, ranked 10th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cassia, ID | 1 | $483K* | 0.05% | 10th |
Idaho: 69th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1