| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.1% | +0.7 pts |
| Share growth (YoY) | +3.4% | +3.5% | -0.1 pts |
| Loan growth (YoY) | +1.3% | +2.9% | -1.5 pts |
| ROA | 0.97% | 0.74% | +0.2 pts |
| ROE | 9.9% | 6.5% | +3.4 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 | $127.8M | $113.4M | $112.4M | $12.5M | $619K | 0.97% | 5.26% | 1.00% | 11,338 |
| Q1 2026 | $128.5M | $115.6M | $108.5M | $12.2M | $352K | 1.10% | 5.71% | 1.37% | 11,339 |
| Q4 2025 | $124.3M | $111.3M | $109.7M | $11.8M | $1.6M | 1.27% | 4.60% | 0.93% | 11,376 |
| Q3 2025 | $120.7M | $107.5M | $110.7M | $11.5M | $1.2M | 1.33% | 4.72% | 0.85% | 11,422 |
| Q2 2025 | $121.9M | $109.6M | $110.9M | $11.1M | $742K | 1.22% | 4.55% | 0.90% | 11,412 |
| Q1 2025 | $124.2M | $111.9M | $107.1M | $10.7M | $325K | 1.05% | 4.34% | 0.53% | 11,252 |
| Q4 2024 | $118.2M | $106.5M | $104.2M | $10.3M | $1.4M | 1.15% | 4.30% | 0.72% | 11,212 |
| Q3 2024 | $118.6M | $105.9M | $105.1M | $10.1M | $1.1M | 1.20% | 4.23% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.74% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 6.5% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.90% |
| 11,309 |
| Q2 2024 | $117.9M | $106.2M | $106.0M | $9.7M | $677K | 1.15% | 4.15% | 0.70% | 11,405 |
Loan mix (Q2 2026): real estate $27.0M · commercial $2.5M · consumer $75.8M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 77.5% | 44th |
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.
4 branches in 3 counties across 2 states (+1 vs 2025). Biggest market: Cerro Gordo, IA, ranked 9th with 2.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cerro Gordo, IA | 2 | $56.7M* | 2.82% | 9th |
| San Diego, CA | 1 | $28.4M* | 0.02% | 66th |
| Orange, CA | 1 | $28.4M* | 0.02% | 97th |
California: 342nd with 0.00% · Iowa: 280th with 0.04% · San Diego-Chula Vista-Carlsbad metro: 66th, 0.02% · Los Angeles-Long Beach-Anaheim metro: 198th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4