| Metric | Plus Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.1% | -7.1 pts |
| Share growth (YoY) | -3.9% | +3.5% | -7.5 pts |
| Loan growth (YoY) | +7.3% | +2.9% | +4.5 pts |
| ROA | 0.44% | 0.74% | -0.3 pts |
| ROE | 3.5% | 6.5% | -3.0 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.1M | $110.8M | $54.3M | $15.8M | $275K | 0.44% | 3.22% | 0.12% | 8,751 |
| Q1 2026 | $126.0M | $110.8M | $52.2M | $15.7M | $147K | 0.47% | 3.08% | 0.18% | 8,717 |
| Q4 2025 | $128.9M | $113.7M | $51.2M | $15.5M | $490K | 0.38% | 3.13% | 0.15% | 8,696 |
| Q3 2025 | $124.8M | $109.8M | $50.7M | $15.4M | $339K | 0.36% | 3.20% | 0.09% | 8,595 |
| Q2 2025 | $129.9M | $115.3M | $50.6M | $15.3M | $226K | 0.35% | 3.03% | 0.09% | 8,581 |
| Q1 2025 | $127.7M | $113.5M | $49.5M | $15.2M | $101K | 0.32% | 2.98% | 0.13% | 8,585 |
| Q4 2024 | $123.8M | $110.1M | $49.6M | $15.1M | $913K | 0.74% | 3.30% | 0.07% | 8,684 |
| Q3 2024 | $115.1M | $100.8M | $48.8M | $14.9M | $706K | 0.82% | 3.59% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Plus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.74% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.5% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.13% |
| 8,860 |
| Q2 2024 | $117.8M | $104.8M | $48.4M | $14.6M | $474K | 0.80% | 3.50% | 0.15% | 8,910 |
Loan mix (Q2 2026): real estate $33.2M · commercial $0 · consumer $20.3M · securities $52.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 77.5% | 85th |
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 | Plus Credit Union | 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 | Plus Credit Union | 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 | Plus Credit Union | 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 | Plus Credit Union | 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 | Plus Credit Union | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Clark, NV, ranked 41st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, NV | 1 | $110.8M* | 0.10% | 41st |
Nevada: 54th with 0.08% · Las Vegas-Henderson-North Las Vegas metro: 41st, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1