| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +1.3% | -6.2 pts |
| Share growth (YoY) | -5.9% | +0.9% | -6.8 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.1 pts |
| ROA | 0.60% | 0.65% | -0.0 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.9M | $28.6M | $24.9M | $5.2M | $101K | 0.60% | 5.21% | 0.71% | 3,146 |
| Q1 2026 | $34.7M | $29.5M | $24.9M | $5.1M | $57K | 0.66% | 5.08% | 0.66% | 3,155 |
| Q4 2025 | $37.1M | $31.9M | $25.9M | $5.0M | $453K | 1.22% | 4.13% | 0.93% | 3,163 |
| Q3 2025 | $35.3M | $29.9M | $25.9M | $4.9M | $370K | 1.40% | 4.33% | 0.40% | 3,189 |
| Q2 2025 | $35.7M | $30.4M | $25.9M | $4.8M | $246K | 1.38% | 4.32% | 0.38% | 3,183 |
| Q1 2025 | $36.5M | $31.1M | $25.3M | $4.7M | $134K | 1.47% | 4.11% | 0.39% | 3,155 |
| Q4 2024 | $37.2M | $32.0M | $26.1M | $4.6M | $535K | 1.44% | 3.99% | 0.60% | 3,141 |
| Q3 2024 | $35.4M | $30.5M | $26.2M | $4.4M | $382K | 1.44% | 4.06% | 0.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,168 |
| Q2 2024 | $34.9M | $30.2M | $26.4M | $4.3M | $231K | 1.32% | 4.01% | 0.30% | 3,155 |
Loan mix (Q2 2026): real estate $14.2M · commercial $0 · consumer $10.3M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 80.6% | 66th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Multnomah, OR, ranked 38th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Multnomah, OR | 1 | $28.6M* | 0.07% | 38th |
Oregon: 81st with 0.02% · Portland-Vancouver-Hillsboro metro: 62nd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1