| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +6.6% | +3.3% | +3.3 pts |
| Loan growth (YoY) | -6.7% | +2.9% | -9.7 pts |
| ROA | 1.08% | 0.69% | +0.4 pts |
| ROE | 8.0% | 5.9% | +2.1 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 0.73% | 10,671 |
| Q2 2024 | $172.6M | $150.0M | $100.0M | $22.8M | $857K | 0.99% | 3.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 10,522 |
Loan mix (Q1 2026): real estate $6.0M · commercial $16.3M · consumer $64.1M · securities $38.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 78.7% | 8th |
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.
5 branches in 3 counties across 2 states (+0 vs 2024). Biggest market: Washoe, NV, ranked 18th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washoe, NV | 3 | $90.8M* | 0.53% | 18th |
| Maricopa, AZ | 1 | $30.3M* | 0.02% | 82nd |
| Clark, NV | 1 | $30.3M* | 0.03% | 52nd |
Nevada: 53rd with 0.09% · Arizona: 99th with 0.01% · Reno metro: 18th, 0.51% · Phoenix-Mesa-Chandler metro: 85th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5