| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +5.8% | +0.9% | +4.9 pts |
| Loan growth (YoY) | -0.1% | -2.6% | +2.6 pts |
| ROA | 0.51% | 0.65% | -0.1 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.8M | $47.5M | $35.6M | $3.9M | $131K | 0.51% | 3.96% | 0.26% | 5,125 |
| Q1 2026 | $48.9M | $44.8M | $35.4M | $3.8M | $63K | 0.51% | 4.08% | 0.05% | 5,190 |
| Q4 2025 | $47.8M | $43.8M | $35.9M | $3.8M | $266K | 0.56% | 3.97% | 0.22% | 5,183 |
| Q3 2025 | $48.1M | $44.1M | $35.6M | $3.8M | $239K | 0.66% | 3.87% | 0.08% | 5,207 |
| Q2 2025 | $48.5M | $44.8M | $35.6M | $3.7M | $206K | 0.85% | 3.71% | 0.06% | 5,246 |
| Q1 2025 | $48.9M | $45.1M | $35.4M | $3.5M | $5K | 0.04% | 3.51% | 0.08% | 5,262 |
| Q4 2024 | $46.9M | $43.2M | $33.8M | $3.5M | $-85K | -0.18% | 3.49% | 0.31% | 5,244 |
| Q3 2024 | $45.6M | $42.9M | $34.6M | $3.5M | $-139K | -0.41% | 3.62% | 1.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,281 |
| Q2 2024 | $47.1M | $43.7M | $34.2M | $3.4M | $-254K | -1.08% | 3.46% | 0.21% | 5,326 |
Loan mix (Q2 2026): real estate $15.1M · commercial $0 · consumer $20.0M · securities $10.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 80.6% | 52nd |
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: San Bernardino, CA, ranked 51st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Bernardino, CA | 1 | $23.7M* | 0.05% | 51st |
| Salt Lake, UT | 1 | $23.7M* | 0.00% | 89th |
Utah: 116th with 0.00% · California: 392nd with 0.00% · Riverside-San Bernardino-Ontario metro: 64th, 0.02% · Salt Lake City-Murray metro: 89th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2