| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.5% | +0.9% | +1.6 pts |
| Loan growth (YoY) | -6.1% | -2.6% | -3.5 pts |
| ROA | 1.50% | 0.65% | +0.9 pts |
| ROE | 4.3% | 4.4% | -0.0 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.4M | $30.3M | $27.6M | $16.0M | $348K | 1.50% | 3.38% | 0.15% | 2,914 |
| Q1 2026 | $46.1M | $30.1M | $28.2M | $15.8M | $160K | 1.39% | 3.32% | 0.10% | 2,916 |
| Q4 2025 | $45.2M | $29.4M | $28.9M | $15.6M | $615K | 1.36% | 3.50% | 0.22% | 2,938 |
| Q3 2025 | $45.2M | $29.5M | $29.3M | $15.5M | $460K | 1.36% | 3.42% | 0.12% | 2,950 |
| Q2 2025 | $45.0M | $29.5M | $29.4M | $15.3M | $308K | 1.37% | 3.43% | 0.00% | 2,981 |
| Q1 2025 | $44.4M | $29.0M | $29.3M | $15.2M | $152K | 1.37% | 3.29% | 0.00% | 2,987 |
| Q4 2024 | $44.5M | $29.3M | $29.4M | $15.0M | $671K | 1.51% | 3.32% | 0.25% | 3,008 |
| Q3 2024 | $43.7M | $28.6M | $29.4M | $14.8M | $428K | 1.31% | 3.32% | 0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,037 |
| Q2 2024 | $43.3M | $28.3M | $30.4M | $14.7M | $340K | 1.57% | 3.27% | 0.20% | 3,067 |
Loan mix (Q2 2026): real estate $15.9M · commercial $0 · consumer $8.2M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 80.6% | 8th |
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: Juab, UT, ranked 5th with 5.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Juab, UT | 1 | $30.3M* | 5.92% | 5th |
Utah: 103rd with 0.00% · Provo-Orem-Lehi metro: 28th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1