| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +5.1% | +6.2 pts |
| Share growth (YoY) | +3.3% | +4.9% | -1.5 pts |
| Loan growth (YoY) | -3.4% | +5.4% | -8.8 pts |
| ROA | 0.69% | 0.71% | -0.0 pts |
| ROE | 7.2% | 6.3% | +0.9 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.49B | $1.14B | $839.7M | $143.8M | $2.6M | 0.69% | 3.42% | 0.71% | 121,649 |
| Q4 2025 | $1.41B | $1.13B | $840.4M | $141.2M | $9.8M | 0.69% | 3.40% | 0.80% | 120,278 |
| Q3 2025 | $1.35B | $1.10B | $843.5M | $138.9M | $6.8M | 0.67% | 3.51% | 0.75% | 119,086 |
| Q2 2025 | $1.34B | $1.10B | $859.4M | $136.8M | $4.8M | 0.71% | 3.42% | 0.62% | 118,183 |
| Q1 2025 | $1.34B | $1.10B | $869.2M | $134.9M | $2.8M | 0.83% | 3.34% | 0.58% | 119,633 |
| Q4 2024 | $1.28B | $1.05B | $853.5M | $132.1M | $10.2M | 0.80% | 3.30% | 0.51% | 117,693 |
| Q3 2024 | $1.29B | $1.05B | $860.8M | $130.2M | $7.8M | 0.80% | 3.24% | 0.58% | 116,896 |
| Q2 2024 | $1.27B | $1.05B | $831.4M | $128.1M | $5.6M | 0.89% | 3.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.71% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 6.3% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 115,082 |
Loan mix (Q1 2026): real estate $198.9M · commercial $93.7M · consumer $530.4M · securities $528.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 73.0% | 56th |
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.
9 branches in 2 counties across 1 state (-1 vs 2024). Biggest market: Fresno, CA, ranked 11th with 4.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fresno, CA | 8 | $978.9M* | 4.01% | 11th |
| Madera, CA | 1 | $122.4M* | 5.14% | 7th |
California: 126th with 0.05% · Fresno metro: 9th, 4.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 9