| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +1.2% | +0.9% | +0.3 pts |
| Loan growth (YoY) | -17.4% | -2.6% | -14.7 pts |
| ROA | 1.55% | 0.65% | +0.9 pts |
| ROE | 7.7% | 4.4% | +3.3 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.8M | $21.4M | $6.5M | $5.4M | $208K | 1.55% | 4.39% | 0.41% | 1,985 |
| Q1 2026 | $26.7M | $21.3M | $6.7M | $5.3M | $90K | 1.34% | 4.13% | 0.47% | 1,995 |
| Q4 2025 | $27.0M | $21.7M | $7.2M | $5.2M | $547K | 2.02% | 4.60% | 0.49% | 2,001 |
| Q3 2025 | $26.5M | $21.4M | $7.7M | $5.1M | $407K | 2.05% | 4.53% | 0.48% | 2,011 |
| Q2 2025 | $26.1M | $21.1M | $7.9M | $4.9M | $284K | 2.17% | 4.75% | 0.52% | 2,025 |
| Q1 2025 | $26.5M | $21.6M | $7.8M | $4.8M | $120K | 1.81% | 4.27% | 0.67% | 2,026 |
| Q4 2024 | $25.6M | $20.9M | $7.9M | $4.6M | $463K | 1.81% | 4.63% | 0.73% | 2,032 |
| Q3 2024 | $25.7M | $21.1M | $7.9M | $4.5M | $327K | 1.70% | 4.40% | 0.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,047 |
| Q2 2024 | $25.9M | $21.4M | $8.0M | $4.4M | $207K | 1.60% | 4.36% | 0.55% | 2,053 |
Loan mix (Q2 2026): real estate $737K · commercial $0 · consumer $5.1M · securities $18.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 80.6% | 21st |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Salt Lake, UT, ranked 110th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $10.7M* | 0.00% | 110th |
| Norfolk (City), VA | 1 | $10.7M* | 0.13% | 17th |
Virginia: 197th with 0.00% · Utah: 137th with 0.00% · Salt Lake City-Murray metro: 110th, 0.00% · Virginia Beach-Chesapeake-Norfolk metro: 41st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2