| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +3.9% | -4.8 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.6 pts |
| ROA | 0.86% | 0.69% | +0.2 pts |
| ROE | 5.9% | 5.9% | -0.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $279.3M | $247.0M | $118.0M | $41.1M | $602K | 0.86% | 2.66% | 2.41% | 10,432 |
| Q4 2025 | $280.6M | $247.5M | $116.9M | $41.2M | $2.6M | 0.94% | 2.75% | 0.00% | 10,497 |
| Q3 2025 | $272.3M | $240.2M | $118.1M | $40.6M | $2.0M | 1.00% | 2.82% | 0.00% | 10,469 |
| Q2 2025 | $273.5M | $242.7M | $118.5M | $39.8M | $1.2M | 0.90% | 2.73% | 0.00% | 10,519 |
| Q1 2025 | $281.8M | $252.0M | $117.6M | $39.1M | $563K | 0.80% | 2.55% | 0.00% | 10,622 |
| Q4 2024 | $274.8M | $246.5M | $115.3M | $38.6M | $2.2M | 0.79% | 2.57% | 0.19% | 10,632 |
| Q3 2024 | $271.7M | $242.0M | $115.5M | $38.1M | $1.7M | 0.82% | 2.60% | 0.00% | 10,721 |
| Q2 2024 | $275.9M | $248.2M | $118.2M | $37.5M | $1.1M | 0.83% | 2.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.69% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 10,783 |
Loan mix (Q1 2026): real estate $27.3M · commercial $78.9M · consumer $9.4M · securities $123.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 78.7% | 30th |
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.
5 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Clark, WA, ranked 12th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, WA | 5 | $242.7M* | 1.74% | 12th |
Washington: 75th with 0.08% · Portland-Vancouver-Hillsboro metro: 28th, 0.28% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5