| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +1.3% | +9.1 pts |
| Share growth (YoY) | +14.2% | +0.9% | +13.2 pts |
| Loan growth (YoY) | +0.3% | -2.6% | +2.9 pts |
| ROA | 1.14% | 0.65% | +0.5 pts |
| ROE | 4.4% | 4.4% | +0.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.7M | $8.7M | $5.6M | $3.0M | $67K | 1.14% | 2.48% | 0.03% | 896 |
| Q1 2026 | $11.5M | $8.5M | $5.7M | $3.0M | $33K | 1.14% | 2.54% | 0.00% | 897 |
| Q4 2025 | $11.5M | $8.5M | $5.6M | $3.0M | $66K | 0.57% | 1.96% | 0.00% | 878 |
| Q3 2025 | $11.3M | $8.3M | $5.6M | $3.0M | $109K | 1.28% | 2.56% | 0.04% | 886 |
| Q2 2025 | $10.6M | $7.6M | $5.6M | $3.0M | $68K | 1.29% | 2.64% | 0.04% | 895 |
| Q1 2025 | $10.5M | $7.5M | $5.4M | $2.9M | $31K | 1.18% | 2.52% | 0.16% | 913 |
| Q4 2024 | $10.5M | $7.6M | $5.4M | $2.9M | $65K | 0.62% | 2.12% | 0.04% | 933 |
| Q3 2024 | $10.2M | $7.4M | $5.4M | $2.9M | $39K | 0.51% | 2.09% | 0.05% | 972 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.0M | $7.1M | $5.3M | $2.9M | $24K | 0.49% | 2.05% | 0.05% | 990 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.9M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 80.6% | 7th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Shawnee, KS, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shawnee, KS | 1 | $4.3M* | 0.06% | 24th |
| King, WA | 1 | $4.3M* | 0.00% | 66th |
Washington: 161st with 0.00% · Kansas: 300th with 0.00% · Topeka metro: 37th, 0.05% · Seattle-Tacoma-Bellevue metro: 85th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2