| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.1% | +1.8 pts |
| Share growth (YoY) | +6.3% | +3.5% | +2.8 pts |
| Loan growth (YoY) | -9.8% | +2.9% | -12.6 pts |
| ROA | 0.23% | 0.74% | -0.5 pts |
| ROE | 2.0% | 6.5% | -4.5 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $273.8M | $240.9M | $202.0M | $30.7M | $309K | 0.23% | 2.68% | 0.57% | 16,610 |
| Q1 2026 | $280.0M | $247.3M | $210.8M | $30.6M | $177K | 0.25% | 2.60% | 0.61% | 16,835 |
| Q4 2025 | $269.5M | $236.8M | $220.8M | $30.4M | $1.4M | 0.52% | 2.69% | 0.45% | 17,240 |
| Q3 2025 | $257.5M | $225.1M | $222.1M | $21.8M | $796K | 0.41% | 2.77% | 0.39% | 17,471 |
| Q2 2025 | $258.5M | $226.5M | $223.9M | $21.4M | $451K | 0.35% | 2.68% | 0.27% | 17,477 |
| Q1 2025 | $266.4M | $234.6M | $227.2M | $21.2M | $180K | 0.27% | 2.53% | 0.27% | 17,603 |
| Q4 2024 | $263.6M | $231.9M | $231.8M | $21.0M | $724K | 0.27% | 2.41% | 0.26% | 17,710 |
| Q3 2024 | $255.7M | $224.3M | $234.9M | $20.8M | $492K | 0.26% | 2.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.74% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 6.5% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 17,827 |
| Q2 2024 | $257.4M | $226.3M | $237.6M | $20.5M | $234K | 0.18% | 2.40% | 0.23% | 17,963 |
Loan mix (Q2 2026): real estate $24.1M · commercial $108K · consumer $5.2M · securities $772K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 77.5% | 91st |
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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: King, WA, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| King, WA | 3 | $180.7M* | 0.14% | 32nd |
| San Juan, WA | 1 | $60.2M* | 7.67% | 6th |
Washington: 76th with 0.08% · Seattle-Tacoma-Bellevue metro: 51st, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4