| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +1.3% | — |
| Share growth (YoY) | — | +0.9% | — |
| Loan growth (YoY) | — | -2.6% | — |
| ROA | 0.11% | 0.65% | -0.5 pts |
| ROE | 0.8% | 4.4% | -3.5 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.3M | $22.8M | $7.2M | $3.5M | $15K | 0.11% | 3.37% | 0.72% | 1,130 |
| Q1 2026 | $26.9M | $23.3M | $6.7M | $3.5M | $2K | 0.03% | 3.17% | 0.14% | 1,146 |
| Q4 2025 | $26.6M | $23.1M | $4.6M | $3.5M | $352K | 1.32% | 3.59% | 0.22% | 1,153 |
Loan mix (Q2 2026): real estate $237K · commercial $255K · consumer $5.5M · securities $13.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mt. Rainier Credit Union | Trend (3q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.88% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 92.8% |
| 80.6% |
77th |
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 | Mt. Rainier Credit Union | Trend (3q) | 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 | Mt. Rainier Credit Union | Trend (3q) | 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 | Mt. Rainier Credit Union | Trend (3q) | 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 | Mt. Rainier Credit Union | Trend (3q) | 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 | Mt. Rainier Credit Union | Trend (3q) | 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. Biggest market: Pierce, WA, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pierce, WA | 1 | $22.8M* | 0.08% | 40th |
Washington: 142nd with 0.01% · Seattle-Tacoma-Bellevue metro: 79th, 0.01% · * Deposits estimated (total shares spread across branches).