| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +1.3% | -9.7 pts |
| Share growth (YoY) | -10.3% | +0.9% | -11.3 pts |
| Loan growth (YoY) | -13.1% | -2.6% | -10.4 pts |
| ROA | 0.34% | 0.65% | -0.3 pts |
| ROE | 1.9% | 4.4% | -2.5 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.8M | $25.9M | $4.7M | $5.8M | $55K | 0.34% | 1.60% | 0.00% | 1,035 |
| Q1 2026 | $33.3M | $27.5M | $5.0M | $5.8M | $16K | 0.19% | 1.44% | 0.72% | 1,046 |
| Q4 2025 | $31.9M | $26.0M | $5.1M | $5.8M | $91K | 0.29% | 1.42% | 1.09% | 1,044 |
| Q3 2025 | $33.0M | $27.1M | $5.3M | $5.8M | $63K | 0.26% | 1.31% | 3.96% | 1,042 |
| Q2 2025 | $34.8M | $28.9M | $5.4M | $5.8M | $-22K | -0.13% | 1.21% | 3.64% | 1,068 |
| Q1 2025 | $36.6M | $30.8M | $5.6M | $5.7M | $13K | 0.14% | 1.09% | 7.24% | 1,075 |
| Q4 2024 | $35.9M | $30.1M | $5.9M | $5.7M | $-84K | -0.23% | 0.70% | 6.70% | 1,077 |
| Q3 2024 | $36.3M | $30.5M | $6.2M | $5.7M | $-68K | -0.25% | 0.63% | 7.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.65% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 1.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,082 |
| Q2 2024 | $37.0M | $31.2M | $6.1M | $5.8M | $-51K | -0.28% | 0.60% | 1.87% | 1,040 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $2.8M · securities $26.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 80.6% | 34th |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: San Mateo, CA, ranked 44th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Mateo, CA | 2 | $17.3M* | 0.04% | 44th |
| Genesee, MI | 1 | $8.6M* | 0.09% | 22nd |
California: 405th with 0.00% · Michigan: 287th with 0.00% · San Francisco-Oakland-Fremont metro: 110th, 0.00% · Flint metro: 22nd, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3