| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +1.3% | +9.7 pts |
| Share growth (YoY) | +10.8% | +0.9% | +9.8 pts |
| Loan growth (YoY) | -7.0% | -2.6% | -4.4 pts |
| ROA | 1.20% | 0.65% | +0.6 pts |
| ROE | 13.9% | 4.4% | +9.5 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.0M | $80.0M | $39.0M | $7.7M | $533K | 1.20% | 4.00% | 0.00% | 24,595 |
| Q1 2026 | $96.9M | $88.2M | $39.7M | $7.4M | $158K | 0.65% | 3.52% | 0.09% | 24,967 |
| Q4 2025 | $83.3M | $74.9M | $40.7M | $7.2M | $1.2M | 1.48% | 4.18% | 0.00% | 24,065 |
| Q3 2025 | $94.8M | $86.5M | $41.9M | $6.9M | $896K | 1.26% | 3.59% | 0.03% | 24,980 |
| Q2 2025 | $80.2M | $72.2M | $41.9M | $6.7M | $622K | 1.55% | 4.25% | 0.08% | 23,852 |
| Q1 2025 | $90.8M | $82.8M | $41.7M | $6.4M | $235K | 1.03% | 3.44% | 0.03% | 25,155 |
| Q4 2024 | $73.5M | $65.8M | $42.3M | $6.2M | $1.0M | 1.37% | 4.34% | 0.02% | 24,027 |
| Q3 2024 | $86.2M | $78.8M | $41.9M | $5.9M | $740K | 1.14% | 3.57% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 4.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 22,904 |
| Q2 2024 | $74.7M | $66.8M | $42.4M | $5.8M | $513K | 1.37% | 4.18% | 0.02% | 20,674 |
Loan mix (Q2 2026): real estate $17.6M · commercial $2.3M · consumer $18.2M · securities $37.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 80.6% | 36th |
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: Orange, CA, ranked 82nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, CA | 1 | $80.0M* | 0.04% | 82nd |
California: 322nd with 0.00% · Los Angeles-Long Beach-Anaheim metro: 166th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1