| Metric | Rolling F Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +1.2% | +0.9% | +0.3 pts |
| Loan growth (YoY) | +4.9% | -2.6% | +7.5 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 7.6% | 4.4% | +3.2 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.9M | $56.1M | $33.3M | $7.6M | $290K | 0.91% | 3.49% | 0.80% | 4,752 |
| Q1 2026 | $65.9M | $58.2M | $33.3M | $7.6M | $176K | 1.07% | 3.25% | 0.85% | 4,933 |
| Q4 2025 | $64.6M | $57.1M | $32.0M | $7.4M | $438K | 0.68% | 3.12% | 0.52% | 4,949 |
| Q3 2025 | $64.7M | $57.2M | $31.9M | $7.3M | $391K | 0.81% | 3.05% | 0.46% | 4,956 |
| Q2 2025 | $63.1M | $55.4M | $31.8M | $7.2M | $254K | 0.81% | 3.07% | 0.24% | 5,098 |
| Q1 2025 | $64.3M | $56.6M | $31.9M | $7.1M | $215K | 1.33% | 2.94% | 0.19% | 5,022 |
| Q4 2024 | $66.1M | $58.6M | $32.8M | $7.0M | $186K | 0.28% | 2.80% | 0.59% | 5,019 |
| Q3 2024 | $66.6M | $59.2M | $34.2M | $7.0M | $145K | 0.29% | 2.76% | 1.55% |
| Ratio | Rolling F Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 14,999 |
| Q2 2024 | $67.7M | $60.3M | $34.9M | $7.1M | $81K | 0.24% | 2.71% | 1.30% | 4,951 |
Loan mix (Q2 2026): real estate $14.5M · commercial $0 · consumer $16.2M · securities $28.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 80.6% | 29th |
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 | Rolling F Credit Union | 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 | Rolling F Credit Union | 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 | Rolling F Credit Union | 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 | Rolling F Credit Union | 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 | Rolling F Credit Union | 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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Stanislaus, CA, ranked 24th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stanislaus, CA | 1 | $28.0M* | 0.21% | 24th |
| Spokane, WA | 1 | $28.0M* | 0.13% | 30th |
Washington: 138th with 0.01% · California: 385th with 0.00% · Modesto metro: 24th, 0.21% · Spokane-Spokane Valley metro: 31st, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2