| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +3.9% | +0.3 pts |
| Share growth (YoY) | +3.5% | +3.3% | +0.2 pts |
| Loan growth (YoY) | +4.9% | +2.9% | +1.9 pts |
| ROA | 0.74% | 0.69% | +0.0 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $154.8M | $133.5M | $97.0M | $21.6M | $286K | 0.74% | 4.23% | 1.63% | 10,342 |
| Q4 2025 | $153.4M | $132.1M | $96.3M | $21.3M | $1.9M | 1.26% | 4.30% | 1.87% | 10,346 |
| Q3 2025 | $152.2M | $131.6M | $95.9M | $20.8M | $1.4M | 1.19% | 4.27% | 1.48% | 10,439 |
| Q2 2025 | $151.0M | $130.9M | $93.8M | $20.3M | $844K | 1.12% | 4.24% | 0.85% | 9,336 |
| Q1 2025 | $148.6M | $129.0M | $92.5M | $19.7M | $331K | 0.89% | 4.12% | 1.38% | 9,318 |
| Q4 2024 | $145.4M | $125.9M | $93.1M | $19.4M | $1.9M | 1.29% | 4.21% | 1.71% | 9,333 |
| Q3 2024 | $141.4M | $122.6M | $94.9M | $19.0M | $1.4M | 1.32% | 4.37% | 1.39% | 9,346 |
| Q2 2024 | $143.3M | $124.8M | $99.4M | $18.5M | $938K | 1.31% | 4.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.46% |
| 9,431 |
Loan mix (Q1 2026): real estate $23.3M · commercial $0 · consumer $51.6M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 78.7% | 37th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Snohomish, WA, ranked 26th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Snohomish, WA | 2 | $130.9M* | 0.48% | 26th |
Washington: 89th with 0.04% · Seattle-Tacoma-Bellevue metro: 55th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2