| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.6% | +1.3% | -14.9 pts |
| Share growth (YoY) | -16.9% | +0.9% | -17.8 pts |
| Loan growth (YoY) | -22.1% | -2.6% | -19.5 pts |
| ROA | 0.96% | 0.65% | +0.3 pts |
| ROE | 5.5% | 4.4% | +1.1 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.6M | $12.7M | $9.5M | $2.7M | $75K | 0.96% | 4.13% | 2.29% | 1,099 |
| Q1 2026 | $17.4M | $14.6M | $9.7M | $2.7M | $48K | 1.09% | 3.80% | 2.20% | 1,068 |
| Q4 2025 | $17.9M | $15.1M | $10.5M | $2.7M | $110K | 0.62% | 3.68% | 1.92% | 1,117 |
| Q3 2025 | $18.4M | $15.7M | $11.2M | $2.7M | $111K | 0.81% | 3.59% | 1.91% | 1,148 |
| Q2 2025 | $18.0M | $15.3M | $12.2M | $2.6M | $67K | 0.74% | 3.54% | 1.86% | 1,171 |
| Q1 2025 | $16.6M | $15.0M | $11.8M | $2.6M | $54K | 1.31% | 3.45% | 0.00% | 1,154 |
| Q4 2024 | $17.3M | $14.6M | $12.6M | $2.6M | $212K | 1.23% | 3.68% | 2.93% | 1,140 |
| Q3 2024 | $17.4M | $14.8M | $13.1M | $2.6M | $175K | 1.34% | 3.72% | 2.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.65% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,173 |
| Q2 2024 | $17.4M | $14.8M | $13.4M | $2.5M | $123K | 1.41% | 3.66% | 0.89% | 1,158 |
Loan mix (Q2 2026): real estate $3.0M · commercial $0 · consumer $5.1M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 80.6% | 44th |
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: Skagit, WA, ranked 19th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Skagit, WA | 1 | $12.7M* | 0.26% | 19th |
Washington: 151st with 0.00% · Mount Vernon-Anacortes metro: 19th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1