| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.1% | +6.0 pts |
| Share growth (YoY) | +9.7% | +3.5% | +6.1 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +4.1 pts |
| ROA | 1.14% | 0.74% | +0.4 pts |
| ROE | 8.6% | 6.5% | +2.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $231.7M | $197.7M | $178.9M | $30.7M | $1.3M | 1.14% | 4.33% | 1.07% | 14,071 |
| Q1 2026 | $222.6M | $189.0M | $172.9M | $30.0M | $551K | 0.99% | 4.44% | 0.90% | 13,846 |
| Q4 2025 | $218.8M | $185.6M | $174.6M | $29.4M | $2.9M | 1.33% | 4.49% | 0.91% | 13,709 |
| Q3 2025 | $220.7M | $188.7M | $172.1M | $28.7M | $2.1M | 1.24% | 4.36% | 0.52% | 13,912 |
| Q2 2025 | $210.4M | $180.3M | $167.3M | $27.7M | $1.3M | 1.24% | 4.45% | 0.67% | 13,786 |
| Q1 2025 | $206.8M | $177.0M | $158.0M | $27.0M | $594K | 1.15% | 4.38% | 0.74% | 13,581 |
| Q4 2024 | $205.9M | $177.4M | $156.9M | $26.4M | $2.5M | 1.23% | 4.31% | 0.76% | 13,436 |
| Q3 2024 | $202.5M | $174.1M | $156.4M | $25.9M | $1.8M | 1.21% | 4.30% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.74% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 6.5% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 13,519 |
| Q2 2024 | $197.0M | $168.1M | $154.0M | $25.5M | $1.2M | 1.23% | 4.33% | 0.86% | 13,348 |
Loan mix (Q2 2026): real estate $39.0M · commercial $0 · consumer $74.8M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 77.5% | 33rd |
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: Anchorage, AK, ranked 8th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anchorage, AK | 2 | $197.7M* | 1.64% | 8th |
Alaska: 14th with 0.80% · Anchorage metro: 9th, 1.36% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2