| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -1.3% | +0.9% | -2.2 pts |
| Loan growth (YoY) | -13.8% | -2.6% | -11.2 pts |
| ROA | -0.16% | 0.65% | -0.8 pts |
| ROE | -1.6% | 4.4% | -6.0 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.6M | $14.9M | $9.9M | $1.6M | $-13K | -0.16% | 4.46% | 2.93% | 1,180 |
| Q1 2026 | $17.7M | $16.0M | $10.5M | $1.6M | $-4K | -0.10% | 4.14% | 0.18% | 1,169 |
| Q4 2025 | $16.6M | $14.9M | $11.2M | $1.6M | $15K | 0.09% | 4.47% | 0.21% | 1,165 |
| Q3 2025 | $17.3M | $15.5M | $11.7M | $1.6M | $21K | 0.16% | 4.27% | 0.02% | 1,117 |
| Q2 2025 | $16.7M | $15.1M | $11.5M | $1.6M | $1K | 0.02% | 4.35% | 0.38% | 1,172 |
| Q1 2025 | $17.6M | $16.0M | $11.4M | $1.6M | $-42K | -0.96% | 4.14% | 0.78% | 1,225 |
| Q4 2024 | $17.1M | $15.5M | $11.6M | $1.6M | $135K | 0.79% | 4.33% | 0.23% | 1,216 |
| Q3 2024 | $17.4M | $15.6M | $11.2M | $1.6M | $103K | 0.79% | 4.05% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.6% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,213 |
| Q2 2024 | $18.1M | $16.3M | $11.0M | $1.5M | $44K | 0.49% | 3.34% | 0.08% | 1,200 |
Loan mix (Q2 2026): real estate $3.8M · commercial $0 · consumer $4.4M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.3% | 80.6% | 81st |
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: Spokane, WA, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Spokane, WA | 1 | $14.9M* | 0.07% | 35th |
Washington: 149th with 0.00% · Spokane-Spokane Valley metro: 36th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1