| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.1% | +2.3 pts |
| Share growth (YoY) | +6.6% | +3.5% | +3.1 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 1.46% | 0.74% | +0.7 pts |
| ROE | 10.2% | 6.5% | +3.7 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $470.1M | $401.0M | $327.9M | $66.9M | $3.4M | 1.46% | 4.59% | 0.75% | 31,915 |
| Q1 2026 | $467.6M | $401.8M | $317.3M | $64.8M | $1.4M | 1.19% | 4.50% | 0.67% | 31,217 |
| Q4 2025 | $449.9M | $382.1M | $318.9M | $63.4M | $5.0M | 1.12% | 4.47% | 0.85% | 30,772 |
| Q3 2025 | $442.3M | $375.6M | $320.5M | $62.3M | $3.8M | 1.13% | 4.47% | 0.73% | 30,620 |
| Q2 2025 | $441.7M | $376.0M | $318.1M | $60.9M | $2.3M | 1.06% | 4.38% | 0.79% | 30,355 |
| Q1 2025 | $434.3M | $370.2M | $314.6M | $59.5M | $953K | 0.88% | 4.31% | 0.65% | 29,967 |
| Q4 2024 | $416.1M | $354.1M | $316.0M | $58.6M | $6.5M | 1.57% | 4.32% | 1.08% | 29,648 |
| Q3 2024 | $410.0M | $349.3M | $317.6M | $57.5M | $5.3M | 1.71% | 4.32% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.74% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 6.5% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.16% |
| 29,329 |
| Q2 2024 | $409.7M | $351.4M | $310.6M | $55.4M | $3.2M | 1.57% | 4.16% | 1.21% | 28,937 |
Loan mix (Q2 2026): real estate $99.7M · commercial $2.2M · consumer $194.2M · securities $16.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 77.5% | 8th |
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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Sweetwater, WY, ranked 3rd with 14.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sweetwater, WY | 2 | $200.5M* | 14.12% | 3rd |
| Uinta, WY | 2 | $200.5M* | 26.46% | 1st |
Wyoming: 19th with 1.53% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 5 · 2024 4 · 2025 4 · 2026 4