| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.3% | — |
| Share growth (YoY) | — | +5.1% | — |
| Loan growth (YoY) | — | +5.7% | — |
| ROA | 1.31% | 0.80% | +0.5 pts |
| ROE | 12.3% | 7.4% | +5.0 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.08B | $2.55B | $2.42B | $328.5M | $20.2M | 1.31% | 3.31% | 0.65% | 145,416 |
| Q1 2026 | $3.07B | $2.58B | $2.39B | $316.5M | $8.3M | 1.08% | 3.35% | 0.53% | 145,451 |
| Q4 2025 | $2.97B | $2.48B | $2.33B | $308.2M | $27.6M | 0.93% | 3.01% | 0.64% | 144,117 |
Loan mix (Q2 2026): real estate $1.12B · commercial $336.2M · consumer $920.8M · securities $310.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (3q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.80% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 7.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.38% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% |
Peer lists, growth filters, CSV export, CRM push.
| 71.9% |
11th |
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 (3q) | 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 (3q) | 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 (3q) | 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 (3q) | 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 (3q) | 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.
12 branches in 3 counties across 1 state. Biggest market: Orange, CA, ranked 17th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 10 | $2.13B* | 1.17% | 17th |
| San Bernardino, CA | 1 | $212.8M* | 0.43% | 27th |
| Los Angeles, CA | 1 | $212.8M* | 0.04% | 120th |
California: 77th with 0.12% · Los Angeles-Long Beach-Anaheim metro: 37th, 0.31% · Riverside-San Bernardino-Ontario metro: 40th, 0.21% · * Deposits estimated (total shares spread across branches).