| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +4.1% | -8.0 pts |
| Share growth (YoY) | -6.0% | +3.5% | -9.6 pts |
| Loan growth (YoY) | +0.6% | +2.9% | -2.2 pts |
| ROA | 1.11% | 0.74% | +0.4 pts |
| ROE | 8.4% | 6.5% | +2.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $335.6M | $287.1M | $163.5M | $44.1M | $1.9M | 1.11% | 3.96% | 0.63% | 20,815 |
| Q1 2026 | $340.6M | $293.7M | $166.7M | $43.2M | $942K | 1.11% | 3.90% | 0.77% | 21,010 |
| Q4 2025 | $342.9M | $298.0M | $164.7M | $42.2M | $3.2M | 0.92% | 3.65% | 0.84% | 20,990 |
| Q3 2025 | $346.3M | $301.8M | $159.5M | $41.5M | $2.2M | 0.86% | 3.58% | 0.79% | 21,035 |
| Q2 2025 | $349.1M | $305.4M | $162.5M | $40.7M | $1.4M | 0.81% | 3.46% | 0.58% | 21,063 |
| Q1 2025 | $348.7M | $305.8M | $157.3M | $39.8M | $562K | 0.64% | 3.43% | 0.54% | 21,200 |
| Q4 2024 | $349.9M | $308.4M | $156.8M | $39.8M | $2.1M | 0.61% | 3.31% | 0.53% | 21,236 |
| Q3 2024 | $348.6M | $308.8M | $153.1M | $39.4M | $1.6M | 0.59% | 3.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.74% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.5% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 22,122 |
| Q2 2024 | $352.4M | $312.8M | $150.7M | $38.8M | $976K | 0.55% | 3.22% | 0.34% | 22,160 |
Loan mix (Q2 2026): real estate $87.4M · commercial $29.0M · consumer $46.8M · securities $121.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 77.5% | 13th |
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.
6 branches in 3 counties across 2 states (+2 vs 2025). Biggest market: Los Angeles, CA, ranked 124th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 4 | $191.4M* | 0.03% | 124th |
| San Diego, CA | 1 | $47.8M* | 0.03% | 60th |
| Suffolk, MA | 1 | $47.8M* | 0.01% | 42nd |
California: 244th with 0.01% · Massachusetts: 183rd with 0.01% · Los Angeles-Long Beach-Anaheim metro: 137th, 0.03% · Boston-Cambridge-Newton metro: 135th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 4 · 2024 4 · 2025 4 · 2026 6