| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.1% | +3.5 pts |
| Share growth (YoY) | +7.9% | +3.5% | +4.4 pts |
| Loan growth (YoY) | -6.3% | +2.9% | -9.2 pts |
| ROA | 1.03% | 0.74% | +0.3 pts |
| ROE | 7.6% | 6.5% | +1.1 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $189.4M | $163.4M | $93.6M | $25.7M | $979K | 1.03% | 3.22% | 0.57% | 10,929 |
| Q1 2026 | $187.8M | $161.9M | $93.3M | $25.3M | $508K | 1.08% | 3.21% | 0.73% | 10,886 |
| Q4 2025 | $185.8M | $160.1M | $93.8M | $24.8M | $1.7M | 0.92% | 3.25% | 0.62% | 10,730 |
| Q3 2025 | $182.3M | $156.9M | $97.6M | $24.5M | $1.3M | 0.99% | 3.28% | 0.39% | 10,663 |
| Q2 2025 | $176.0M | $151.4M | $99.9M | $24.1M | $952K | 1.08% | 3.30% | 0.42% | 10,573 |
| Q1 2025 | $176.6M | $151.8M | $100.0M | $23.8M | $589K | 1.33% | 3.24% | 0.36% | 10,526 |
| Q4 2024 | $171.9M | $148.4M | $100.3M | $23.2M | $1.3M | 0.74% | 3.40% | 0.57% | 10,383 |
| Q3 2024 | $170.4M | $146.4M | $99.1M | $23.1M | $1.2M | 0.92% | 3.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.74% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.5% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 10,671 |
| Q2 2024 | $172.6M | $150.0M | $100.0M | $22.8M | $857K | 0.99% | 3.39% | 0.64% | 10,522 |
Loan mix (Q2 2026): real estate $6.0M · commercial $18.1M · consumer $63.3M · securities $38.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 77.5% | 14th |
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 4 counties across 3 states (+1 vs 2025). Biggest market: Washoe, NV, ranked 18th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washoe, NV | 3 | $81.7M* | 0.46% | 18th |
| Salt Lake, UT | 1 | $27.2M* | 0.00% | 84th |
| Clark, NV | 1 | $27.2M* | 0.03% | 51st |
| 1 more county with Pro → | ||||
Nevada: 55th with 0.08% · Utah: 109th with 0.00% · Arizona: 101st with 0.01% · Reno metro: 18th, 0.44% · Las Vegas-Henderson-North Las Vegas metro: 51st, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 6