| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +8.9% | +0.9% | +8.0 pts |
| Loan growth (YoY) | -14.1% | -2.6% | -11.4 pts |
| ROA | -1.13% | 0.65% | -1.8 pts |
| ROE | -14.4% | 4.4% | -18.7 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.7M | $21.8M | $12.2M | $1.9M | $-134K | -1.13% | 3.93% | 1.07% | 3,143 |
| Q1 2026 | $24.5M | $22.6M | $12.3M | $1.9M | $-110K | -1.80% | 3.71% | 1.21% | 3,167 |
| Q4 2025 | $24.5M | $22.5M | $13.0M | $2.0M | $4K | 0.02% | 3.81% | 1.17% | 3,151 |
| Q3 2025 | $24.0M | $21.9M | $13.5M | $2.1M | $38K | 0.21% | 3.88% | 0.90% | 3,180 |
| Q2 2025 | $22.2M | $20.0M | $14.1M | $2.1M | $31K | 0.28% | 4.29% | 1.53% | 3,191 |
| Q1 2025 | $24.1M | $22.0M | $17.6M | $2.0M | $13K | 0.22% | 4.03% | 0.89% | 3,204 |
| Q4 2024 | $23.7M | $21.6M | $15.4M | $2.1M | $52K | 0.22% | 4.01% | 1.88% | 3,187 |
| Q3 2024 | $24.0M | $22.0M | $16.3M | $2.1M | $39K | 0.22% | 3.97% | 1.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.13% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -14.4% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,317 |
| Q2 2024 | $23.8M | $21.7M | $17.1M | $2.1M | $30K | 0.26% | 4.06% | 1.00% | 3,197 |
Loan mix (Q2 2026): real estate $785K · commercial $40K · consumer $10.4M · securities $9.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.9% | 80.6% | 91st |
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 1 county across 1 state (+0 vs 2025). Biggest market: Humboldt, CA, ranked 11th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Humboldt, CA | 2 | $21.8M* | 0.50% | 11th |
California: 397th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2