| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +10.7% | +0.9% | +9.8 pts |
| Loan growth (YoY) | +29.4% | -2.6% | +32.0 pts |
| ROA | -1.87% | 0.65% | -2.5 pts |
| ROE | -30.8% | 4.4% | -35.2 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.1M | $10.4M | $4.5M | $676K | $-104K | -1.87% | 4.50% | 0.46% | 1,272 |
| Q1 2026 | $11.0M | $10.2M | $4.2M | $708K | $-72K | -2.61% | 4.20% | 0.89% | 1,284 |
| Q4 2025 | $11.4M | $10.4M | $4.1M | $780K | $-174K | -1.53% | 4.15% | 1.19% | 1,293 |
| Q3 2025 | $10.3M | $9.3M | $3.7M | $855K | $-98K | -1.26% | 4.65% | 0.83% | 1,160 |
| Q2 2025 | $10.4M | $9.4M | $3.5M | $887K | $-66K | -1.27% | 4.48% | 0.09% | 1,160 |
| Q1 2025 | $11.1M | $10.1M | $3.5M | $954K | $348 | 0.01% | 4.38% | 0.67% | 1,175 |
| Q4 2024 | $11.3M | $10.3M | $3.6M | $953K | $-118K | -1.04% | 4.01% | 0.63% | 1,207 |
| Q3 2024 | $11.2M | $10.1M | $3.5M | $1.0M | $-59K | -0.70% | 4.01% | 2.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.87% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -30.8% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,217 |
| Q2 2024 | $10.8M | $10.2M | $3.8M | $969K | $-102K | -1.88% | 4.01% | 3.25% | 1,218 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 128.3% | 80.6% | 97th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Yavapai, AZ, ranked 15th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Yavapai, AZ | 2 | $10.4M* | 0.15% | 15th |
Arizona: 107th with 0.00% · Prescott Valley-Prescott metro: 15th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2