| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +6.5% | +0.9% | +5.6 pts |
| Loan growth (YoY) | -15.0% | -2.6% | -12.3 pts |
| ROA | 0.62% | 0.65% | -0.0 pts |
| ROE | 4.8% | 4.4% | +0.4 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.1M | $935K | $544K | $139K | $3K | 0.62% | 2.68% | 0.00% | 197 |
| Q1 2026 | $1.2M | $1.0M | $576K | $137K | $2K | 0.53% | 2.49% | 0.00% | 196 |
| Q4 2025 | $1.1M | $927K | $615K | $136K | $8K | 0.72% | 2.89% | 0.00% | 196 |
| Q3 2025 | $1.0M | $897K | $610K | $133K | $5K | 0.69% | 2.77% | 0.00% | 194 |
| Q2 2025 | $1.0M | $878K | $639K | $131K | $4K | 0.70% | 2.77% | 0.00% | 195 |
| Q1 2025 | $1.1M | $945K | $638K | $129K | $1K | 0.45% | 2.49% | 0.00% | 194 |
| Q4 2024 | $1.1M | $931K | $648K | $128K | $7K | 0.66% | 2.66% | 0.09% | 192 |
| Q3 2024 | $964K | $837K | $667K | $127K | $5K | 0.72% | 2.99% | 0.12% | 190 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $958K |
| $832K |
| $728K |
| $126K |
| $5K |
| 0.96% |
| 2.80% |
| 0.14% |
| 189 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $544K · securities $207K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 80.6% | 19th |
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: Sanpete, UT, ranked 6th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sanpete, UT | 1 | $935K* | 0.13% | 6th |
Utah: 171st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1