| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.7% | -1.7 pts |
| Share growth (YoY) | +1.7% | +4.2% | -2.5 pts |
| Loan growth (YoY) | -8.1% | +4.3% | -12.4 pts |
| ROA | 1.16% | 0.75% | +0.4 pts |
| ROE | 9.2% | 6.9% | +2.3 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $638.3M | $551.8M | $224.8M | $80.9M | $3.7M | 1.16% | 3.55% | 0.48% | 31,656 |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.75% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 6.9% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 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 (Q2 2026): real estate $47.3M · commercial $45.2M · consumer $97.6M · securities $368.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 77.1% | 24th |
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.
8 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Grays Harbor, WA, ranked 5th with 9.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grays Harbor, WA | 3 | $206.9M* | 9.18% | 5th |
| Mason, WA | 3 | $206.9M* | 25.01% | 1st |
| Thurston, WA | 1 | $69.0M* | 0.69% | 24th |
| 1 more county with Pro → | ||||
Washington: 65th with 0.18% · Seattle-Tacoma-Bellevue metro: 67th, 0.04% · Olympia-Lacey-Tumwater metro: 24th, 0.69% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8 · 2026 8