| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.1% | -0.2 pts |
| Share growth (YoY) | +3.7% | +3.5% | +0.2 pts |
| Loan growth (YoY) | +7.0% | +2.9% | +4.2 pts |
| ROA | 0.47% | 0.74% | -0.3 pts |
| ROE | 4.0% | 6.5% | -2.5 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $195.7M | $170.5M | $93.6M | $23.3M | $464K | 0.47% | 3.44% | 0.48% | 17,489 |
| Q1 2026 | $192.7M | $168.3M | $90.5M | $23.1M | $230K | 0.48% | 3.47% | 0.45% | 17,257 |
| Q4 2025 | $189.8M | $165.5M | $88.9M | $22.8M | $990K | 0.52% | 3.30% | 0.38% | 16,996 |
| Q3 2025 | $189.8M | $164.5M | $88.1M | $22.6M | $782K | 0.55% | 3.23% | 0.34% | 16,797 |
| Q2 2025 | $188.3M | $164.3M | $87.4M | $22.3M | $469K | 0.50% | 3.18% | 0.35% | 16,418 |
| Q1 2025 | $186.3M | $162.7M | $90.0M | $22.1M | $245K | 0.53% | 3.16% | 0.39% | 16,538 |
| Q4 2024 | $178.7M | $155.5M | $90.6M | $21.8M | $414K | 0.23% | 3.09% | 0.30% | 16,184 |
| Q3 2024 | $177.4M | $154.2M | $89.6M | $21.7M | $332K | 0.25% | 3.07% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.74% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 6.5% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 15,975 |
| Q2 2024 | $178.8M | $155.1M | $88.9M | $21.5M | $102K | 0.11% | 2.98% | 0.44% | 16,266 |
Loan mix (Q2 2026): real estate $36.4M · commercial $0 · consumer $56.4M · securities $88.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 77.5% | 60th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Los Angeles, CA, ranked 126th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $170.5M* | 0.03% | 126th |
California: 272nd with 0.01% · Los Angeles-Long Beach-Anaheim metro: 141st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2