| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -3.7% | +0.9% | -4.7 pts |
| Loan growth (YoY) | -18.1% | -2.6% | -15.4 pts |
| ROA | 1.46% | 0.65% | +0.8 pts |
| ROE | 9.4% | 4.4% | +5.0 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.2M | $19.3M | $9.3M | $3.6M | $169K | 1.46% | 4.39% | 1.02% | 1,779 |
| Q1 2026 | $23.4M | $19.7M | $9.7M | $3.5M | $78K | 1.33% | 4.36% | 1.96% | 1,781 |
| Q4 2025 | $23.4M | $19.8M | $10.6M | $3.4M | $387K | 1.66% | 4.64% | 0.98% | 1,796 |
| Q3 2025 | $23.5M | $19.9M | $11.3M | $3.3M | $299K | 1.70% | 4.63% | 0.86% | 2,247 |
| Q2 2025 | $23.6M | $20.1M | $11.3M | $3.2M | $209K | 1.77% | 4.54% | 1.02% | 1,801 |
| Q1 2025 | $24.4M | $21.0M | $11.5M | $3.1M | $89K | 1.46% | 4.25% | 0.86% | 1,806 |
| Q4 2024 | $23.2M | $20.0M | $11.8M | $3.0M | $395K | 1.70% | 4.49% | 1.04% | 1,818 |
| Q3 2024 | $23.0M | $19.9M | $12.0M | $2.9M | $284K | 1.65% | 4.51% | 0.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.65% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,827 |
| Q2 2024 | $23.5M | $20.5M | $12.4M | $2.8M | $183K | 1.56% | 4.41% | 0.84% | 1,828 |
Loan mix (Q2 2026): real estate $163K · commercial $0 · consumer $7.4M · securities $8.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 80.6% | 23rd |
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: San Bernardino, CA, ranked 54th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Bernardino, CA | 1 | $19.3M* | 0.04% | 54th |
California: 402nd with 0.00% · Riverside-San Bernardino-Ontario metro: 67th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1