| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +0.9% | +0.9% | -0.0 pts |
| Loan growth (YoY) | -8.0% | -2.6% | -5.4 pts |
| ROA | 0.92% | 0.65% | +0.3 pts |
| ROE | 7.1% | 4.4% | +2.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.4M | $53.9M | $30.8M | $7.9M | $282K | 0.92% | 4.63% | 1.81% | 5,162 |
| Q1 2026 | $61.3M | $54.1M | $32.5M | $7.7M | $121K | 0.79% | 4.70% | 1.61% | 5,292 |
| Q4 2025 | $60.2M | $52.2M | $33.5M | $7.6M | $398K | 0.66% | 5.04% | 3.59% | 5,305 |
| Q3 2025 | $60.7M | $53.3M | $33.9M | $7.7M | $432K | 0.95% | 5.03% | 2.62% | 5,330 |
| Q2 2025 | $60.8M | $53.4M | $33.4M | $7.5M | $282K | 0.93% | 5.01% | 2.51% | 5,336 |
| Q1 2025 | $59.9M | $52.9M | $34.2M | $7.3M | $100K | 0.67% | 5.08% | 2.00% | 5,399 |
| Q4 2024 | $57.8M | $50.0M | $35.6M | $7.2M | $773K | 1.34% | 5.22% | 2.56% | 5,455 |
| Q3 2024 | $57.8M | $50.4M | $37.4M | $7.0M | $534K | 1.23% | 5.18% | 2.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,151 |
| Q2 2024 | $57.5M | $49.8M | $38.6M | $6.9M | $401K | 1.39% | 5.19% | 1.80% | 5,147 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $28.1M · securities $26.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 80.6% | 17th |
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: Mohave, AZ, ranked 14th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mohave, AZ | 1 | $53.9M* | 0.99% | 14th |
Arizona: 94th with 0.02% · Lake Havasu City-Kingman metro: 14th, 0.99% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1