| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.1% | +1.1 pts |
| Share growth (YoY) | +5.0% | +3.5% | +1.4 pts |
| Loan growth (YoY) | +8.2% | +2.9% | +5.3 pts |
| ROA | 0.44% | 0.74% | -0.3 pts |
| ROE | 4.4% | 6.5% | -2.1 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $385.1M | $343.2M | $272.1M | $38.9M | $848K | 0.44% | 4.40% | 0.86% | 26,046 |
| Q1 2026 | $387.8M | $346.4M | $263.0M | $38.6M | $576K | 0.59% | 4.41% | 0.55% | 25,905 |
| Q4 2025 | $381.7M | $340.5M | $259.2M | $38.0M | $3.1M | 0.81% | 4.46% | 0.57% | 25,784 |
| Q3 2025 | $378.3M | $338.1M | $258.7M | $37.2M | $2.3M | 0.80% | 4.46% | 0.60% | 25,609 |
| Q2 2025 | $366.0M | $326.9M | $251.5M | $36.4M | $1.5M | 0.82% | 4.56% | 0.68% | 25,383 |
| Q1 2025 | $361.5M | $323.4M | $234.6M | $35.7M | $774K | 0.86% | 4.56% | 0.60% | 25,099 |
| Q4 2024 | $352.4M | $314.4M | $224.6M | $34.9M | $4.9M | 1.40% | 4.55% | 0.58% | 24,784 |
| Q3 2024 | $346.3M | $310.0M | $217.1M | $33.6M | $3.6M | 1.39% | 4.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.74% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 6.5% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 24,560 |
| Q2 2024 | $339.0M | $303.4M | $216.1M | $32.4M | $2.4M | 1.42% | 4.49% | 0.55% | 24,370 |
Loan mix (Q2 2026): real estate $48.0M · commercial $55.5M · consumer $150.1M · securities $30.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 77.5% | 77th |
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 (-1 vs 2025). Biggest market: Klamath, OR, ranked 5th with 11.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Klamath, OR | 3 | $171.6M* | 11.11% | 5th |
| Lake, OR | 2 | $114.4M* | 47.63% | 1st |
| Modoc, CA | 1 | $57.2M* | 23.91% | 3rd |
Oregon: 50th with 0.19% · California: 341st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 6 · 2024 7 · 2025 7 · 2026 6