| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.0% | 4.1% | -4.1 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.7M | $5.0M | $2.0M | $5.7M | $559 | 0.02% | 2.51% | 0.00% | 532 |
| Q4 2025 | $10.9M | $5.2M | $2.0M | $5.7M | $149K | 1.37% | 3.35% | 0.00% | 539 |
| Q3 2025 | $10.9M | $5.2M | $2.1M | $5.7M | $127K | 1.56% | 3.52% | 0.00% | 591 |
| Q2 2025 | $10.7M | $5.0M | $2.1M | $5.7M | $104K | 1.94% | 3.96% | 0.00% | 591 |
| Q1 2025 | $10.7M | $5.1M | $2.1M | $5.6M | $52K | 1.96% | 4.31% | 0.00% | 589 |
| Q4 2024 | $10.8M | $5.2M | $2.2M | $5.6M | $206K | 1.90% | 3.84% | 0.00% | 608 |
| Q3 2024 | $10.8M | $5.3M | $2.2M | $5.5M | $222K | 2.73% | 4.34% | 21.78% | 569 |
| Q2 2024 | $11.1M | $5.6M | $2.3M | $5.5M | $144K | 2.60% | 4.06% | 0.00% | 553 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 4.1% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $66K · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.2% | 81.5% | 84th |
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: San Francisco, CA, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Francisco, CA | 1 | $5.0M* | 0.00% | 53rd |
California: 419th with 0.00% · San Francisco-Oakland-Fremont metro: 113th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1