| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -1.1% | +0.9% | -2.0 pts |
| Loan growth (YoY) | -12.8% | -2.6% | -10.2 pts |
| ROA | 1.53% | 0.65% | +0.9 pts |
| ROE | 7.6% | 4.4% | +3.2 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.2M | $2.6M | $240K | $649K | $25K | 1.53% | 3.05% | 0.00% | 299 |
| Q1 2026 | $3.2M | $2.6M | $263K | $635K | $10K | 1.28% | 2.82% | 0.00% | 303 |
| Q4 2025 | $3.2M | $2.6M | $206K | $625K | $39K | 1.21% | 2.72% | 0.00% | 303 |
| Q3 2025 | $3.2M | $2.6M | $238K | $609K | $3K | 0.12% | 2.47% | 0.00% | 301 |
| Q2 2025 | $3.2M | $2.6M | $276K | $600K | $-6K | -0.35% | 1.78% | 6.36% | 299 |
| Q1 2025 | $1.9M | $1.3M | $284K | $597K | $-9K | -1.80% | 2.04% | 6.17% | 297 |
| Q4 2024 | $1.9M | $1.3M | $231K | $606K | $-5K | -0.26% | 2.29% | 7.59% | 297 |
| Q3 2024 | $1.9M | $1.3M | $233K | $607K | $-4K | -0.27% | 2.24% | 7.54% | 298 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.9M | $1.3M | $218K | $608K | $-3K | -0.29% | 2.28% | 0.00% | 297 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $202K · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 80.6% | 4th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Los Angeles, CA, ranked 184th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $2.6M* | 0.00% | 184th |
California: 427th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 211th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1