| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.5 pts |
| Loan growth (YoY) | +13.1% | -2.4% | +15.4 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.2M | $68.7M | $34.7M | $9.6M | $43K | 0.22% | 3.57% | 0.18% | 4,593 |
| Q4 2025 | $77.1M | $67.3M | $34.9M | $9.6M | $146K | 0.19% | 3.52% | 0.18% | 4,605 |
| Q3 2025 | $77.6M | $68.0M | $33.6M | $9.6M | $178K | 0.30% | 3.54% | 0.94% | 4,633 |
| Q2 2025 | $78.3M | $68.8M | $32.6M | $9.5M | $82K | 0.21% | 3.40% | 0.79% | 4,724 |
| Q1 2025 | $77.4M | $67.9M | $30.7M | $9.5M | $10K | 0.05% | 3.29% | 0.94% | 4,757 |
| Q4 2024 | $78.5M | $69.2M | $31.8M | $9.5M | $3K | 0.00% | 2.79% | 0.80% | 4,797 |
| Q3 2024 | $77.5M | $68.1M | $29.9M | $9.5M | $-1K | -0.00% | 2.79% | 1.05% | 4,830 |
| Q2 2024 | $75.5M | $66.1M | $28.6M | $9.5M | $33K | 0.09% | 2.89% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,855 |
Loan mix (Q1 2026): real estate $17.4M · commercial $0 · consumer $17.1M · securities $34.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 81.5% | 68th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Los Angeles, CA, ranked 161st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $45.9M* | 0.01% | 161st |
| Yolo, CA | 1 | $22.9M* | 0.32% | 17th |
California: 331st with 0.00% · Los Angeles-Long Beach-Anaheim metro: 184th, 0.01% · Sacramento-Roseville-Folsom metro: 58th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3