| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.1% | +3.4 pts |
| Share growth (YoY) | +7.8% | +3.5% | +4.2 pts |
| Loan growth (YoY) | +2.7% | +2.9% | -0.1 pts |
| ROA | 0.37% | 0.74% | -0.4 pts |
| ROE | 3.1% | 6.5% | -3.4 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $319.0M | $278.3M | $199.8M | $38.2M | $596K | 0.37% | 3.92% | 1.37% | 15,899 |
| Q1 2026 | $320.5M | $280.9M | $194.5M | $37.8M | $184K | 0.23% | 3.83% | 1.69% | 15,720 |
| Q4 2025 | $313.2M | $273.1M | $194.8M | $37.6M | $1.8M | 0.57% | 3.90% | 2.40% | 15,432 |
| Q3 2025 | $304.1M | $265.2M | $191.8M | $37.6M | $1.4M | 0.61% | 3.98% | 1.31% | 15,443 |
| Q2 2025 | $296.7M | $258.2M | $194.5M | $37.1M | $907K | 0.61% | 4.02% | 1.67% | 15,451 |
| Q1 2025 | $296.0M | $258.6M | $188.8M | $36.6M | $405K | 0.55% | 3.93% | 1.20% | 15,363 |
| Q4 2024 | $286.2M | $249.3M | $193.3M | $36.2M | $1.4M | 0.49% | 4.13% | 1.63% | 15,264 |
| Q3 2024 | $284.0M | $247.1M | $192.2M | $36.2M | $1.0M | 0.48% | 4.16% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.74% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 6.5% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.73% |
| 15,264 |
| Q2 2024 | $278.3M | $244.5M | $191.6M | $35.9M | $730K | 0.52% | 4.23% | 1.70% | 15,207 |
Loan mix (Q2 2026): real estate $36.2M · commercial $146.3M · consumer $11.4M · securities $47.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.7% | 77.5% | 92nd |
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.
9 branches in 6 counties across 1 state (+1 vs 2025). Biggest market: Umatilla, OR, ranked 9th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Umatilla, OR | 2 | $61.8M* | 3.11% | 9th |
| Union, OR | 2 | $61.8M* | 7.49% | 5th |
| Grant, OR | 2 | $61.8M* | 28.50% | 2nd |
| 3 more counties with Pro → | ||||
Oregon: 53rd with 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 8 · 2025 8 · 2026 9