| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.7% | +0.9% | -1.7 pts |
| Loan growth (YoY) | +3.8% | -2.6% | +6.5 pts |
| ROA | 1.06% | 0.65% | +0.4 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.2M | $929K | $757K | $286K | $6K | 1.06% | 3.28% | 0.00% | 340 |
| Q1 2026 | $1.2M | $926K | $708K | $282K | $3K | 0.88% | 3.12% | 0.00% | 346 |
| Q4 2025 | $1.2M | $952K | $748K | $280K | $4K | 0.34% | 2.97% | 0.00% | 350 |
| Q3 2025 | $1.2M | $947K | $782K | $278K | $3K | 0.33% | 2.96% | 0.40% | 351 |
| Q2 2025 | $1.2M | $935K | $729K | $276K | $386 | 0.06% | 2.88% | 0.00% | 345 |
| Q1 2025 | $1.2M | $919K | $781K | $275K | $13K | 4.29% | 3.25% | 0.00% | 346 |
| Q4 2024 | $1.2M | $904K | $854K | $275K | $7K | 0.59% | 2.88% | 0.00% | 350 |
| Q3 2024 | $1.2M | $933K | $900K | $274K | $6K | 0.64% | 2.91% | 0.62% | 347 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.65% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.1M |
| $869K |
| $903K |
| $273K |
| $5K |
| 0.88% |
| 3.25% |
| 0.62% |
| 340 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $655K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Sanpete, UT, ranked 7th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sanpete, UT | 3 | $929K* | 0.13% | 7th |
Utah: 172nd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3