| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.1% | -1.2 pts |
| Share growth (YoY) | +3.2% | +3.5% | -0.4 pts |
| Loan growth (YoY) | -6.6% | +2.9% | -9.5 pts |
| ROA | 0.27% | 0.74% | -0.5 pts |
| ROE | 3.3% | 6.5% | -3.2 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.6M | $96.0M | $50.5M | $8.8M | $143K | 0.27% | 3.09% | 0.80% | 5,090 |
| Q1 2026 | $104.6M | $95.1M | $52.6M | $8.7M | $5K | 0.02% | 3.05% | 0.67% | 5,089 |
| Q4 2025 | $104.2M | $94.6M | $52.2M | $8.7M | $488K | 0.47% | 2.90% | 0.93% | 5,131 |
| Q3 2025 | $101.3M | $91.8M | $53.9M | $8.6M | $451K | 0.59% | 2.96% | 0.72% | 5,189 |
| Q2 2025 | $102.6M | $93.1M | $54.1M | $8.6M | $386K | 0.75% | 2.91% | 0.70% | 5,180 |
| Q1 2025 | $102.7M | $93.5M | $54.7M | $8.3M | $89K | 0.35% | 2.89% | 0.69% | 5,186 |
| Q4 2024 | $103.4M | $94.4M | $56.7M | $8.2M | $-446K | -0.43% | 2.84% | 0.86% | 5,175 |
| Q3 2024 | $103.4M | $94.2M | $56.7M | $8.4M | $-261K | -0.34% | 2.82% | 1.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.74% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 6.5% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 5,192 |
| Q2 2024 | $99.3M | $89.9M | $58.8M | $8.6M | $-28K | -0.06% | 2.93% | 0.84% | 5,183 |
Loan mix (Q2 2026): real estate $5.1M · commercial $29.7M · consumer $14.8M · securities $35.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 77.5% | 75th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Canyon, ID, ranked 23rd with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Canyon, ID | 1 | $48.0M* | 0.92% | 23rd |
| Ada, ID | 1 | $48.0M* | 0.20% | 37th |
Idaho: 53rd with 0.14% · Boise City metro: 34th, 0.32% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 2 · 2026 2