| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +1.3% | +6.6 pts |
| Share growth (YoY) | +8.1% | +0.9% | +7.1 pts |
| Loan growth (YoY) | -19.1% | -2.6% | -16.5 pts |
| ROA | 0.51% | 0.65% | -0.1 pts |
| ROE | 3.6% | 4.4% | -0.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.4M | $2.9M | $1.8M | $481K | $9K | 0.51% | 5.17% | 0.55% | 845 |
| Q1 2026 | $3.3M | $2.8M | $1.9M | $476K | $4K | 0.53% | 5.34% | 1.16% | 851 |
| Q4 2025 | $2.9M | $2.5M | $2.0M | $472K | $33K | 1.10% | 6.65% | 0.67% | 858 |
| Q3 2025 | $3.2M | $2.7M | $2.2M | $465K | $25K | 1.06% | 6.27% | 3.73% | 861 |
| Q2 2025 | $3.1M | $2.6M | $2.2M | $452K | $12K | 0.79% | 6.31% | 1.12% | 860 |
| Q1 2025 | $3.2M | $2.7M | $2.2M | $445K | $6K | 0.73% | 6.22% | 1.19% | 877 |
| Q4 2024 | $3.1M | $2.6M | $2.3M | $439K | $26K | 0.85% | 6.43% | 1.32% | 894 |
| Q3 2024 | $3.2M | $2.7M | $2.3M | $445K | $34K | 1.40% | 6.17% | 1.69% | 905 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.3M |
| $2.8M |
| $2.4M |
| $434K |
| $23K |
| 1.39% |
| 5.96% |
| 0.91% |
| 919 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $900K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 80.6% | 19th |
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: San Juan, PR, ranked 10th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Juan, PR | 1 | $2.9M* | 0.01% | 10th |
Puerto Rico: 14th with 0.00% · San Juan-Bayamon-Caguas metro: 14th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1