| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.8% | +0.7% | +3.1 pts |
| Loan growth (YoY) | +3.5% | -2.4% | +5.9 pts |
| ROA | 0.61% | 0.60% | +0.0 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.0M | $21.8M | $13.8M | $3.1M | $38K | 0.61% | 4.41% | 1.26% | 2,029 |
| Q4 2025 | $25.4M | $22.3M | $13.9M | $3.1M | $212K | 0.83% | 4.34% | 1.66% | 2,039 |
| Q3 2025 | $25.7M | $22.7M | $13.8M | $3.0M | $185K | 0.96% | 4.23% | 1.21% | 2,038 |
| Q2 2025 | $25.1M | $22.1M | $13.9M | $3.0M | $118K | 0.94% | 4.23% | 0.77% | 2,045 |
| Q1 2025 | $23.9M | $21.0M | $13.3M | $2.9M | $56K | 0.94% | 4.28% | 0.63% | 2,062 |
| Q4 2024 | $24.1M | $21.3M | $13.2M | $2.9M | $154K | 0.64% | 3.96% | 0.69% | 2,088 |
| Q3 2024 | $23.4M | $20.7M | $13.4M | $2.8M | $90K | 0.51% | 4.00% | 0.70% | 2,115 |
| Q2 2024 | $22.2M | $19.6M | $13.8M | $2.7M | $28K | 0.26% | 4.11% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,113 |
Loan mix (Q1 2026): real estate $4.8M · commercial $0 · consumer $7.4M · securities $10.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 81.5% | 62nd |
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 2024). Biggest market: Navajo, AZ, ranked 9th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Navajo, AZ | 1 | $22.1M* | 1.54% | 9th |
Arizona: 102nd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1