| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | +0.7% | +0.9% | -0.2 pts |
| Loan growth (YoY) | -8.3% | -2.6% | -5.6 pts |
| ROA | -0.91% | 0.65% | -1.6 pts |
| ROE | -9.3% | 4.4% | -13.7 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.2M | $65.5M | $35.7M | $7.2M | $-334K | -0.91% | 2.44% | 0.00% | 2,095 |
| Q1 2026 | $73.4M | $65.9M | $35.1M | $7.4M | $-133K | -0.73% | 2.19% | 0.00% | 2,104 |
| Q4 2025 | $73.9M | $65.6M | $37.1M | $7.5M | $-96K | -0.13% | 1.83% | 1.27% | 2,109 |
| Q3 2025 | $73.8M | $65.5M | $37.5M | $7.5M | $-186K | -0.34% | 1.77% | 1.31% | 2,105 |
| Q2 2025 | $73.5M | $65.1M | $38.9M | $7.5M | $-91K | -0.25% | 1.70% | 4.26% | 2,109 |
| Q1 2025 | $73.2M | $64.9M | $39.0M | $7.6M | $-72K | -0.39% | 1.58% | 0.38% | 2,118 |
| Q4 2024 | $72.3M | $63.9M | $38.4M | $7.6M | $-196K | -0.27% | 1.37% | 2.29% | 2,117 |
| Q3 2024 | $73.4M | $65.8M | $38.8M | $7.5M | $-300K | -0.54% | 1.30% | 1.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.91% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -9.3% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,097 |
| Q2 2024 | $73.9M | $66.2M | $38.6M | $7.6M | $-205K | -0.56% | 1.26% | 1.12% | 2,070 |
Loan mix (Q2 2026): real estate $30.1M · commercial $3.1M · consumer $2.5M · securities $27.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 127.9% | 80.6% | 96th |
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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Los Angeles, CA, ranked 171st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $32.8M* | 0.01% | 171st |
| Orange, CA | 1 | $32.8M* | 0.02% | 95th |
California: 336th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 173rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2