| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.1% | -4.6 pts |
| Share growth (YoY) | +0.2% | +3.5% | -3.4 pts |
| Loan growth (YoY) | -5.2% | +2.9% | -8.0 pts |
| ROA | -0.69% | 0.74% | -1.4 pts |
| ROE | -2.9% | 6.5% | -9.4 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.8M | $90.8M | $45.1M | $27.8M | $-408K | -0.69% | 2.32% | 1.87% | 6,254 |
| Q1 2026 | $118.2M | $90.0M | $47.5M | $28.0M | $-198K | -0.67% | 2.27% | 1.84% | 6,277 |
| Q4 2025 | $117.4M | $88.9M | $48.2M | $28.2M | $-1.1M | -0.97% | 1.98% | 2.75% | 6,266 |
| Q3 2025 | $118.3M | $89.7M | $46.8M | $28.5M | $-850K | -0.96% | 1.89% | 0.22% | 6,214 |
| Q2 2025 | $119.4M | $90.7M | $47.5M | $28.7M | $-626K | -1.05% | 1.80% | 0.31% | 6,223 |
| Q1 2025 | $121.9M | $93.1M | $43.3M | $29.0M | $-364K | -1.20% | 1.63% | 0.82% | 6,138 |
| Q4 2024 | $121.6M | $92.7M | $43.5M | $29.4M | $-1.1M | -0.91% | 1.57% | 1.74% | 6,160 |
| Q3 2024 | $122.2M | $92.7M | $43.2M | $29.6M | $-863K | -0.94% | 1.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.69% | 0.74% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -2.9% | 6.5% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.32% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.81% |
| 6,210 |
| Q2 2024 | $122.3M | $93.0M | $44.0M | $30.0M | $-491K | -0.80% | 1.56% | 0.75% | 6,210 |
Loan mix (Q2 2026): real estate $13.5M · commercial $3.9M · consumer $26.6M · securities $53.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.6% | 77.5% | 99th |
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 1 state (+0 vs 2025). Biggest market: Orange, CA, ranked 88th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 2 | $60.5M* | 0.03% | 88th |
| Riverside, CA | 1 | $30.3M* | 0.06% | 38th |
California: 316th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 174th, 0.01% · Riverside-San Bernardino-Ontario metro: 63rd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3