| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -4.3% | +0.9% | -5.2 pts |
| Loan growth (YoY) | +1.2% | -2.6% | +3.8 pts |
| ROA | 1.51% | 0.65% | +0.9 pts |
| ROE | 8.0% | 4.4% | +3.6 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 | $47.7M | $38.6M | $31.3M | $9.1M | $360K | 1.51% | 3.39% | 0.06% | 2,385 |
| Q1 2026 | $48.3M | $39.3M | $30.4M | $8.9M | $175K | 1.45% | 3.23% | 0.03% | 2,448 |
| Q4 2025 | $48.3M | $39.4M | $30.5M | $8.8M | $236K | 0.49% | 2.71% | 0.32% | 2,424 |
| Q3 2025 | $49.2M | $40.4M | $31.1M | $8.8M | $278K | 0.75% | 2.87% | 0.51% | 2,460 |
| Q2 2025 | $49.0M | $40.3M | $31.0M | $8.7M | $290K | 1.18% | 2.77% | 0.29% | 2,613 |
| Q1 2025 | $49.1M | $40.6M | $30.1M | $8.6M | $112K | 0.91% | 2.62% | 0.36% | 2,260 |
| Q4 2024 | $48.7M | $40.2M | $29.5M | $8.5M | $492K | 1.01% | 2.42% | 0.25% | 2,289 |
| Q3 2024 | $50.1M | $41.8M | $29.9M | $8.4M | $126K | 0.33% | 1.82% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,333 |
| Q2 2024 | $53.1M | $43.2M | $30.2M | $8.3M | $189K | 0.71% | 2.05% | 0.03% | 2,398 |
Loan mix (Q2 2026): real estate $4.4M · commercial $0 · consumer $18.4M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 80.6% | 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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Umatilla, OR, ranked 11th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Umatilla, OR | 1 | $19.3M* | 0.97% | 11th |
| Waukesha, WI | 1 | $19.3M* | 0.08% | 55th |
Oregon: 87th with 0.01% · Wisconsin: 282nd with 0.01% · Milwaukee-Waukesha metro: 73rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2