| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.5 pts |
| Share growth (YoY) | -5.3% | +0.9% | -6.2 pts |
| Loan growth (YoY) | -23.9% | -2.6% | -21.3 pts |
| ROA | 0.57% | 0.65% | -0.1 pts |
| ROE | 5.7% | 4.4% | +1.3 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.6M | $5.9M | $2.2M | $661K | $19K | 0.57% | 4.84% | 7.14% | 3,785 |
| Q1 2026 | $6.7M | $6.0M | $2.3M | $653K | $11K | 0.66% | 4.80% | 4.68% | 3,785 |
| Q4 2025 | $6.5M | $5.8M | $2.6M | $642K | $22K | 0.33% | 5.20% | 2.33% | 3,785 |
| Q3 2025 | $6.7M | $6.0M | $2.7M | $628K | $8K | 0.16% | 5.13% | 1.47% | 3,723 |
| Q2 2025 | $6.9M | $6.2M | $2.8M | $610K | $-11K | -0.31% | 4.92% | 2.16% | 3,734 |
| Q1 2025 | $7.0M | $6.3M | $2.8M | $599K | $-21K | -1.21% | 4.63% | 1.27% | 3,775 |
| Q4 2024 | $6.8M | $6.1M | $3.1M | $620K | $-300K | -4.42% | 4.71% | 1.91% | 3,734 |
| Q3 2024 | $6.8M | $6.1M | $3.4M | $684K | $-237K | -4.62% | 4.64% | 3.10% | 3,734 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.2M | $6.4M | $3.5M | $709K | $-211K | -5.87% | 4.54% | 2.93% | 3,839 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 80.6% | 67th |
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 (+2 vs 2025). Biggest market: Maricopa, AZ, ranked 90th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maricopa, AZ | 4 | $5.9M* | 0.00% | 90th |
Arizona: 110th with 0.00% · Phoenix-Mesa-Chandler metro: 93rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4