| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -7.2% | +0.9% | -8.1 pts |
| Loan growth (YoY) | +3.6% | -2.6% | +6.3 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 4.5% | 4.4% | +0.1 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 | $18.9M | $15.0M | $16.7M | $3.8M | $87K | 0.91% | 6.16% | 1.30% | 1,543 |
| Q1 2026 | $19.2M | $15.4M | $16.6M | $3.8M | $25K | 0.51% | 5.95% | 0.34% | 1,552 |
| Q4 2025 | $19.3M | $15.2M | $16.3M | $3.7M | $41K | 0.21% | 6.09% | 0.42% | 1,571 |
| Q3 2025 | $19.3M | $15.3M | $16.4M | $3.7M | $-39K | -0.27% | 6.04% | 2.91% | 1,564 |
| Q2 2025 | $20.1M | $16.2M | $16.1M | $3.7M | $-79K | -0.79% | 5.88% | 4.04% | 1,566 |
| Q1 2025 | $21.3M | $17.4M | $15.9M | $3.6M | $-96K | -1.80% | 5.53% | 0.38% | 1,578 |
| Q4 2024 | $20.9M | $16.9M | $16.3M | $3.7M | $119K | 0.57% | 5.61% | 1.65% | 1,589 |
| Q3 2024 | $21.8M | $17.9M | $16.8M | $3.7M | $70K | 0.43% | 5.40% | 2.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 6.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,649 |
| Q2 2024 | $22.3M | $18.3M | $16.7M | $3.7M | $37K | 0.33% | 5.24% | 2.59% | 1,652 |
Loan mix (Q2 2026): real estate $10.0M · commercial $589K · consumer $5.8M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 80.6% | 49th |
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: Grays Harbor, WA, ranked 12th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grays Harbor, WA | 1 | $15.0M* | 0.67% | 12th |
Washington: 148th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1