| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | -6.6% | -2.6% | -4.0 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 5.7% | 4.4% | +1.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.1M | $64.1M | $22.6M | $11.7M | $334K | 0.88% | 3.07% | 2.53% | 5,112 |
| Q1 2026 | $74.9M | $63.1M | $23.2M | $11.6M | $167K | 0.89% | 3.16% | 2.11% | 5,048 |
| Q4 2025 | $75.3M | $63.7M | $24.2M | $11.4M | $701K | 0.93% | 3.14% | 1.84% | 5,054 |
| Q3 2025 | $75.5M | $64.1M | $24.9M | $11.2M | $524K | 0.92% | 3.13% | 1.90% | 5,353 |
| Q2 2025 | $74.6M | $63.4M | $24.2M | $11.1M | $353K | 0.94% | 3.10% | 0.58% | 5,330 |
| Q1 2025 | $74.4M | $63.3M | $23.6M | $10.9M | $178K | 0.96% | 3.03% | 0.97% | 5,354 |
| Q4 2024 | $72.7M | $61.8M | $23.7M | $10.7M | $733K | 1.01% | 3.24% | 0.91% | 5,344 |
Loan mix (Q2 2026): real estate $8.4M · commercial $205K · consumer $12.4M · securities $40.7M
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 80.6% | 26th |
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 (7q) | 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 (7q) | 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 (7q) | 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 (7q) | 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 (7q) | 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.
2 branches in 2 counties across 1 state (-1 vs 2025). Biggest market: Marion, OR, ranked 25th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, OR | 1 | $32.0M* | 0.33% | 25th |
| Multnomah, OR | 1 | $32.0M* | 0.08% | 37th |
Oregon: 75th with 0.04% · Portland-Vancouver-Hillsboro metro: 60th, 0.04% · Salem metro: 26th, 0.28% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 3 · 2026 2