| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.1 pts |
| Loan growth (YoY) | +2.1% | -2.6% | +4.7 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 3.5% | 4.4% | -0.9 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.5M | $15.1M | $9.8M | $3.4M | $59K | 0.64% | 4.28% | 0.00% | 1,071 |
| Q1 2026 | $18.8M | $15.4M | $9.6M | $3.3M | $13K | 0.27% | 4.28% | 0.03% | 1,036 |
| Q4 2025 | $18.2M | $14.8M | $9.6M | $3.3M | $218K | 1.20% | 4.64% | 0.03% | 1,055 |
| Q3 2025 | $18.7M | $15.4M | $9.7M | $3.3M | $230K | 1.64% | 4.53% | 0.00% | 1,051 |
| Q2 2025 | $18.8M | $15.6M | $9.6M | $3.2M | $147K | 1.57% | 4.48% | 0.00% | 1,054 |
| Q1 2025 | $18.5M | $15.3M | $9.3M | $3.1M | $78K | 1.70% | 4.68% | 0.00% | 1,054 |
| Q4 2024 | $17.7M | $14.6M | $9.5M | $3.0M | $315K | 1.79% | 4.82% | 0.00% | 1,023 |
| Q3 2024 | $17.7M | $14.7M | $9.5M | $2.9M | $180K | 1.36% | 4.86% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,045 |
| Q2 2024 | $17.9M | $15.0M | $9.5M | $2.9M | $130K | 1.46% | 4.81% | 0.00% | 1,048 |
Loan mix (Q2 2026): real estate $2.1M · commercial $0 · consumer $5.6M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 80.6% | 62nd |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Coos, OR, ranked 10th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Coos, OR | 1 | $15.1M* | 0.82% | 10th |
Oregon: 90th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1