| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.9 pts |
| Share growth (YoY) | +4.9% | +3.3% | +1.6 pts |
| Loan growth (YoY) | +4.4% | +2.9% | +1.5 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 5.4% | 5.9% | -0.5 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $190.3M | $161.6M | $145.6M | $26.9M | $366K | 0.77% | 4.67% | 0.66% | 8,067 |
| Q4 2025 | $183.3M | $154.9M | $147.2M | $26.6M | $2.8M | 1.52% | 4.52% | 0.73% | 8,134 |
| Q3 2025 | $181.5M | $154.5M | $140.8M | $25.3M | $1.5M | 1.12% | 4.49% | 0.69% | 8,268 |
| Q2 2025 | $179.7M | $153.2M | $138.7M | $24.7M | $923K | 1.03% | 4.46% | 0.75% | 8,326 |
| Q1 2025 | $179.9M | $154.0M | $139.4M | $24.2M | $388K | 0.86% | 4.37% | 0.73% | 8,337 |
| Q4 2024 | $174.8M | $149.2M | $137.4M | $23.8M | $991K | 0.57% | 4.29% | 0.96% | 8,380 |
| Q3 2024 | $173.5M | $148.1M | $134.6M | $23.6M | $788K | 0.61% | 4.26% | 1.02% | 8,493 |
| Q2 2024 | $174.6M | $149.0M | $133.6M | $23.5M | $631K | 0.72% | 4.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.09% |
| 8,625 |
Loan mix (Q1 2026): real estate $26.1M · commercial $85.8M · consumer $27.2M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 78.7% | 18th |
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 2024). Biggest market: Marion, OR, ranked 18th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, OR | 1 | $76.6M* | 0.80% | 18th |
| Washington, OR | 1 | $76.6M* | 0.46% | 19th |
Oregon: 58th with 0.11% · Portland-Vancouver-Hillsboro metro: 50th, 0.09% · Salem metro: 20th, 0.69% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2