| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +3.9% | -4.8 pts |
| Share growth (YoY) | -2.7% | +3.3% | -6.0 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.0 pts |
| ROA | 0.97% | 0.69% | +0.3 pts |
| ROE | 9.2% | 5.9% | +3.2 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $430.5M | $396.5M | $210.0M | $45.5M | $1.0M | 0.97% | 4.08% | 0.73% | 29,926 |
| Q4 2025 | $430.2M | $396.5M | $218.0M | $44.5M | $4.3M | 1.01% | 4.09% | 0.81% | 29,690 |
| Q3 2025 | $427.8M | $396.3M | $224.4M | $43.5M | $3.3M | 1.03% | 4.07% | 0.82% | 29,485 |
| Q2 2025 | $430.4M | $401.0M | $222.8M | $42.6M | $2.4M | 1.11% | 3.98% | 0.74% | 29,156 |
| Q1 2025 | $434.4M | $407.3M | $216.7M | $41.3M | $1.1M | 1.01% | 3.91% | 0.78% | 29,033 |
| Q4 2024 | $412.1M | $388.9M | $218.3M | $40.2M | $2.8M | 0.67% | 4.09% | 1.39% | 28,868 |
| Q3 2024 | $410.5M | $380.1M | $224.6M | $39.6M | $2.2M | 0.71% | 4.09% | 1.28% | 28,790 |
| Q2 2024 | $410.7M | $383.3M | $226.9M | $38.7M | $1.3M | 0.62% | 4.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.69% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.06% |
| 28,580 |
Loan mix (Q1 2026): real estate $54.9M · commercial $1.7M · consumer $140.6M · securities $103.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 78.7% | 41st |
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 2024). Biggest market: Stanislaus, CA, ranked 12th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stanislaus, CA | 3 | $401.0M* | 3.06% | 12th |
California: 207th with 0.02% · Modesto metro: 12th, 3.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3