| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.3% | +3.9% | +12.4 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | -6.9% | +2.9% | -9.8 pts |
| ROA | 0.43% | 0.69% | -0.3 pts |
| ROE | 4.5% | 5.9% | -1.4 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $341.0M | $263.6M | $169.4M | $32.4M | $367K | 0.43% | 3.36% | 0.45% | 28,757 |
| Q4 2025 | $332.3M | $265.6M | $169.6M | $32.3M | $2.5M | 0.76% | 3.23% | 0.46% | 28,448 |
| Q3 2025 | $331.6M | $266.4M | $169.8M | $31.6M | $1.8M | 0.74% | 3.21% | 0.42% | 28,325 |
| Q2 2025 | $329.2M | $265.5M | $173.5M | $31.1M | $1.3M | 0.80% | 3.17% | 0.18% | 28,030 |
| Q1 2025 | $293.3M | $259.3M | $181.9M | $22.6M | $830K | 1.13% | 3.49% | 0.27% | 27,747 |
| Q4 2024 | $283.7M | $250.5M | $188.6M | $22.1M | $325K | 0.11% | 3.48% | 0.50% | 26,539 |
| Q3 2024 | $298.0M | $246.9M | $195.5M | $22.0M | $190K | 0.08% | 3.29% | 0.46% | 26,308 |
| Q2 2024 | $294.9M | $254.3M | $199.6M | $22.0M | $229K | 0.16% | 3.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.69% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 26,987 |
Loan mix (Q1 2026): real estate $36.7M · commercial $29.0M · consumer $94.7M · securities $129.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 78.7% | 71st |
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.
6 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Pinal, AZ, ranked 6th with 5.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pinal, AZ | 6 | $265.5M* | 5.49% | 6th |
Arizona: 53rd with 0.10% · Phoenix-Mesa-Chandler metro: 46th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 6 · 2025 6