| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +1.3% | -8.3 pts |
| Share growth (YoY) | -9.6% | +0.9% | -10.5 pts |
| Loan growth (YoY) | -16.4% | -2.6% | -13.8 pts |
| ROA | 0.54% | 0.65% | -0.1 pts |
| ROE | 2.0% | 4.4% | -2.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $342K | $251K | $203K | $91K | $916 | 0.54% | 3.76% | 0.00% | 108 |
| Q1 2026 | $349K | $259K | $208K | $90K | $118 | 0.14% | 3.41% | 0.00% | 108 |
| Q4 2025 | $337K | $248K | $199K | $90K | $343 | 0.10% | 4.47% | 0.00% | 109 |
| Q3 2025 | $368K | $278K | $220K | $90K | $524 | 0.19% | 4.08% | 0.00% | 109 |
| Q2 2025 | $368K | $277K | $243K | $90K | $657 | 0.36% | 4.27% | 0.00% | 111 |
| Q1 2025 | $349K | $259K | $247K | $90K | $569 | 0.65% | 4.57% | 0.00% | 111 |
| Q4 2024 | $350K | $260K | $246K | $89K | $2K | 0.44% | 5.03% | 0.00% | 113 |
| Q3 2024 | $393K | $303K | $262K | $90K | $2K | 0.80% | 4.64% | 0.00% | 111 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $378K |
| $287K |
| $272K |
| $90K |
| $2K |
| 1.23% |
| 4.85% |
| 0.00% |
| 110 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $169K · securities $66K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 80.6% | 64th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cache, UT, ranked 19th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cache, UT | 1 | $251K* | 0.00% | 19th |
Utah: 176th with 0.00% · Logan metro: 21st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1