| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +1.3% | -10.1 pts |
| Share growth (YoY) | -11.6% | +0.9% | -12.5 pts |
| Loan growth (YoY) | -17.7% | -2.6% | -15.1 pts |
| ROA | 0.55% | 0.65% | -0.1 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $997K | $798K | $591K | $199K | $3K | 0.55% | 4.97% | 0.00% | 194 |
| Q1 2026 | $1.0M | $817K | $637K | $197K | $2K | 0.82% | 4.99% | 0.00% | 202 |
| Q4 2025 | $1.0M | $806K | $646K | $195K | $15K | 1.52% | 5.18% | 0.00% | 199 |
| Q3 2025 | $1.0M | $852K | $651K | $189K | $-12K | -1.53% | 5.12% | 0.00% | 199 |
| Q2 2025 | $1.1M | $902K | $719K | $192K | $6K | 1.18% | 4.85% | 0.00% | 198 |
| Q1 2025 | $1.1M | $904K | $724K | $203K | $2K | 0.87% | 4.83% | 2.20% | 210 |
| Q4 2024 | $1.1M | $898K | $766K | $201K | $21K | 1.87% | 5.76% | 1.46% | 216 |
| Q3 2024 | $1.1M | $865K | $793K | $199K | $20K | 2.48% | 6.02% | 0.00% | 220 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.1M |
| $898K |
| $828K |
| $194K |
| $15K |
| 2.77% |
| 6.11% |
| 0.00% |
| 216 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $573K · securities $104K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.2% | 80.6% | 76th |
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: Kern, CA, ranked 30th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kern, CA | 1 | $798K* | 0.00% | 30th |
California: 433rd with 0.00% · Bakersfield-Delano metro: 30th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1