| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.1% | +6.1 pts |
| Share growth (YoY) | +8.4% | +3.5% | +4.8 pts |
| Loan growth (YoY) | +11.5% | +2.9% | +8.7 pts |
| ROA | 0.30% | 0.74% | -0.4 pts |
| ROE | 2.3% | 6.5% | -4.1 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $251.9M | $213.8M | $173.5M | $32.1M | $375K | 0.30% | 4.51% | 0.43% | 14,901 |
| Q1 2026 | $246.6M | $208.5M | $163.4M | $32.0M | $261K | 0.42% | 4.35% | 0.56% | 14,609 |
| Q4 2025 | $250.9M | $213.8M | $162.0M | $31.7M | $923K | 0.37% | 4.17% | 0.60% | 14,436 |
| Q3 2025 | $249.6M | $212.6M | $161.1M | $31.5M | $589K | 0.31% | 4.08% | 0.33% | 14,295 |
| Q2 2025 | $228.6M | $197.2M | $155.5M | $31.2M | $293K | 0.26% | 4.34% | 0.29% | 14,084 |
| Q1 2025 | $222.4M | $192.0M | $150.7M | $31.0M | $86K | 0.15% | 4.37% | 0.25% | 13,871 |
| Q4 2024 | $223.5M | $193.9M | $150.5M | $30.9M | $513K | 0.23% | 4.36% | 0.55% | 13,850 |
| Q3 2024 | $224.7M | $195.0M | $148.7M | $30.8M | $302K | 0.18% | 4.25% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.74% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 6.5% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 13,710 |
| Q2 2024 | $215.2M | $185.5M | $148.8M | $30.6M | $83K | 0.08% | 4.37% | 0.48% | 13,564 |
Loan mix (Q2 2026): real estate $58.3M · commercial $50.9M · consumer $39.8M · securities $38.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.6% | 77.5% | 90th |
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.
14 branches in 8 counties across 1 state (+1 vs 2025). Biggest market: Prince of Wales-Hyder, AK, ranked 2nd with 41.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Prince of Wales-Hyder, AK | 5 | $76.3M* | 41.49% | 2nd |
| Ketchikan Gateway, AK | 2 | $30.5M* | 3.76% | 6th |
| Wrangell, AK | 1 | $15.3M* | 12.72% | 3rd |
| 5 more counties with Pro → | ||||
Alaska: 12th with 0.87% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 13 · 2024 13 · 2025 13 · 2026 14