| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +3.9% | +8.3 pts |
| Share growth (YoY) | +10.7% | +3.3% | +7.4 pts |
| Loan growth (YoY) | +10.0% | +2.9% | +7.1 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 4.2% | 5.9% | -1.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $156.6M | $142.0M | $114.7M | $10.8M | $113K | 0.29% | 3.48% | 0.69% | 11,209 |
| Q4 2025 | $150.2M | $138.4M | $106.9M | $10.7M | $567K | 0.38% | 3.48% | 0.64% | 11,119 |
| Q3 2025 | $147.1M | $136.0M | $105.3M | $10.4M | $219K | 0.20% | 3.49% | 0.42% | 10,956 |
| Q2 2025 | $142.8M | $128.9M | $104.4M | $10.2M | $37K | 0.05% | 3.59% | 0.45% | 10,734 |
| Q1 2025 | $139.5M | $128.3M | $104.3M | $10.3M | $115K | 0.33% | 3.59% | 0.29% | 10,727 |
| Q4 2024 | $136.1M | $117.4M | $106.5M | $10.2M | $600K | 0.44% | 3.64% | 0.52% | 10,551 |
| Q3 2024 | $133.3M | $118.0M | $106.4M | $10.0M | $434K | 0.43% | 3.68% | 0.74% | 10,556 |
| Q2 2024 | $131.0M | $115.9M | $104.5M | $9.9M | $264K | 0.40% | 3.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 10,812 |
Loan mix (Q1 2026): real estate $44.9M · commercial $0 · consumer $66.9M · securities $28.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 78.7% | 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.
4 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Tulare, CA, ranked 15th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tulare, CA | 4 | $128.9M* | 1.40% | 15th |
California: 293rd with 0.01% · Visalia metro: 15th, 1.40% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4