| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +7.2% | +0.7% | +6.5 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.5 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.0M | $44.8M | $23.3M | $4.7M | $88K | 0.71% | 3.21% | 0.00% | 3,564 |
| Q4 2025 | $47.8M | $42.7M | $22.6M | $4.6M | $400K | 0.84% | 3.31% | 0.04% | 3,569 |
| Q3 2025 | $47.2M | $42.2M | $22.1M | $4.5M | $276K | 0.78% | 3.34% | 0.01% | 3,566 |
| Q2 2025 | $47.0M | $42.3M | $22.9M | $4.4M | $174K | 0.74% | 3.28% | 0.02% | 3,539 |
| Q1 2025 | $46.6M | $41.8M | $22.0M | $4.3M | $79K | 0.67% | 3.25% | 0.13% | 3,612 |
| Q4 2024 | $46.5M | $42.2M | $21.6M | $4.2M | $378K | 0.81% | 3.30% | 1.01% | 3,602 |
| Q3 2024 | $46.7M | $41.9M | $21.5M | $4.2M | $305K | 0.87% | 3.30% | 0.01% | 3,584 |
| Q2 2024 | $47.8M | $43.1M | $21.4M | $4.1M | $209K | 0.88% | 3.22% | 0.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,581 |
Loan mix (Q1 2026): real estate $13.6M · commercial $1.5M · consumer $8.1M · securities $18.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 81.5% | 49th |
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 2024). Biggest market: Los Angeles, CA, ranked 165th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $42.3M* | 0.01% | 165th |
California: 361st with 0.00% · Los Angeles-Long Beach-Anaheim metro: 188th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1