| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +2.9% | +0.9% | +2.0 pts |
| Loan growth (YoY) | -10.3% | -2.6% | -7.6 pts |
| ROA | 0.61% | 0.65% | -0.0 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.7M | $19.1M | $12.7M | $4.6M | $73K | 0.61% | 4.67% | 0.10% | 2,019 |
| Q1 2026 | $23.8M | $19.2M | $13.2M | $4.5M | $54K | 0.90% | 4.59% | 0.36% | 2,088 |
| Q4 2025 | $23.3M | $18.8M | $13.8M | $4.5M | $124K | 0.53% | 5.03% | 1.24% | 2,097 |
| Q3 2025 | $22.9M | $18.5M | $14.5M | $4.4M | $79K | 0.46% | 5.16% | 1.17% | 2,102 |
| Q2 2025 | $22.9M | $18.6M | $14.2M | $4.4M | $46K | 0.40% | 5.12% | 1.80% | 2,085 |
| Q1 2025 | $23.4M | $19.1M | $14.4M | $4.4M | $11K | 0.18% | 4.98% | 1.25% | 2,084 |
| Q4 2024 | $22.5M | $18.5M | $14.8M | $4.3M | $262K | 1.16% | 5.50% | 1.88% | 2,062 |
| Q3 2024 | $22.5M | $18.6M | $15.6M | $4.3M | $195K | 1.16% | 5.51% | 1.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,045 |
| Q2 2024 | $22.7M | $18.9M | $15.5M | $4.2M | $102K | 0.90% | 5.41% | 1.33% | 2,096 |
Loan mix (Q2 2026): real estate $476K · commercial $0 · consumer $9.9M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 80.6% | 51st |
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: Cowlitz, WA, ranked 11th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cowlitz, WA | 1 | $19.1M* | 0.75% | 11th |
Washington: 146th with 0.01% · Longview-Kelso metro: 11th, 0.75% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1