Our Community Credit Union
Total assets
$640.3M
▲ +2.7% YoY
Shares & deposits
$555.3M
▲ +1.3% YoY
Loans
$225.3M
▼ -11.7% YoY
Members
30,609
▼ -5.2% YoY
ROA (annualized)
1.13%
peers 0.62%
ROE (annualized)
9.11%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.8% | -2.0 pts |
| Share growth (YoY) | +1.3% | +4.3% | -3.0 pts |
| Loan growth (YoY) | -11.7% | +4.3% | -16.1 pts |
| ROA | 1.13% | 0.62% | +0.5 pts |
| ROE | 9.1% | 5.9% | +3.2 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
Profile
- Established
- 1941
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 1670, Shelton, WA, 98584
- NCUA charter #
- 68609
- RSSD ID
- 674072
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $640.3M | $555.3M | $225.3M | $79.5M | $1.8M | 1.13% | 3.46% | 0.43% | 30,609 |
| Q4 2025 | $630.2M | $548.2M | $228.6M | $77.7M | $8.2M | 1.30% | 3.65% | 0.36% | 31,636 |
| Q3 2025 | $629.1M | $548.6M | $233.6M | $77.8M | $8.2M | 1.74% | 3.66% | 0.25% | 32,095 |
| Q2 2025 | $620.3M | $542.7M | $244.7M | $75.4M | $5.8M | 1.88% | 3.82% | 0.33% | 32,348 |
| Q1 2025 | $623.3M | $548.0M | $255.2M | $72.5M | $2.4M | 1.51% | 3.60% | 0.37% | 32,284 |
| Q4 2024 | $613.3M | $540.4M | $256.3M | $70.1M | $5.0M | 0.81% | 3.49% | 0.46% | 32,034 |
| Q3 2024 | $607.9M | $535.4M | $248.3M | $69.8M | $4.6M | 1.01% | 3.51% | 0.45% | 32,084 |
| Q2 2024 | $605.1M | $534.9M | $243.8M | $67.7M | $2.5M | 0.83% | 3.50% | 0.56% | 31,851 |
Loan mix (Q1 2026): real estate $43.7M · commercial $42.6M · consumer $104.5M · securities $367.6M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.62% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.48% | 49th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 78.3% | 17th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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