| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +3.3% | +0.9% | +2.4 pts |
| Loan growth (YoY) | -2.7% | -2.6% | -0.1 pts |
| ROA | -0.31% | 0.65% | -1.0 pts |
| ROE | -3.4% | 4.4% | -7.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.6M | $25.0M | $12.7M | $2.6M | $-43K | -0.31% | 2.48% | 0.91% | 1,495 |
| Q1 2026 | $27.0M | $24.4M | $12.2M | $2.6M | $-19K | -0.28% | 2.55% | 0.29% | 1,495 |
| Q4 2025 | $27.2M | $24.6M | $12.3M | $2.6M | $-43K | -0.16% | 2.38% | 0.58% | 1,500 |
| Q3 2025 | $27.6M | $24.9M | $12.4M | $2.6M | $1K | 0.01% | 2.31% | 0.53% | 1,518 |
| Q2 2025 | $26.9M | $24.2M | $13.1M | $2.6M | $-21K | -0.15% | 2.33% | 1.28% | 1,541 |
| Q1 2025 | $27.7M | $25.1M | $13.2M | $2.6M | $-26K | -0.37% | 2.25% | 0.36% | 1,553 |
| Q4 2024 | $27.3M | $24.6M | $13.8M | $2.6M | $63K | 0.23% | 2.63% | 0.37% | 1,560 |
| Q3 2024 | $29.0M | $26.3M | $14.2M | $2.7M | $103K | 0.47% | 2.53% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.31% | 0.65% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -3.4% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,885 |
| Q2 2024 | $30.1M | $27.4M | $14.1M | $2.6M | $41K | 0.27% | 2.29% | 0.07% | 1,885 |
Loan mix (Q2 2026): real estate $6.1M · commercial $78K · consumer $5.1M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.0% | 80.6% | 87th |
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: Salt Lake, UT, ranked 86th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $25.0M* | 0.00% | 86th |
Utah: 113th with 0.00% · Salt Lake City-Murray metro: 86th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1