| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.4 pts |
| Loan growth (YoY) | -6.8% | -2.6% | -4.2 pts |
| ROA | 0.22% | 0.65% | -0.4 pts |
| ROE | 1.7% | 4.4% | -2.7 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.2M | $48.4M | $34.3M | $7.3M | $61K | 0.22% | 3.71% | 1.60% | 5,882 |
| Q1 2026 | $54.9M | $47.5M | $35.6M | $7.3M | $33K | 0.24% | 3.77% | 0.56% | 5,943 |
| Q4 2025 | $56.7M | $49.1M | $35.5M | $7.3M | $106K | 0.19% | 3.85% | 0.50% | 6,132 |
| Q3 2025 | $55.7M | $47.7M | $36.5M | $7.4M | $242K | 0.58% | 3.91% | 0.73% | 6,123 |
| Q2 2025 | $55.7M | $48.1M | $36.8M | $7.3M | $156K | 0.56% | 3.85% | 1.12% | 6,166 |
| Q1 2025 | $56.9M | $49.6M | $35.6M | $7.2M | $87K | 0.61% | 3.62% | 1.09% | 6,281 |
| Q4 2024 | $57.1M | $49.9M | $36.5M | $7.2M | $294K | 0.52% | 3.48% | 0.98% | 6,345 |
| Q3 2024 | $56.6M | $49.4M | $36.2M | $7.1M | $241K | 0.57% | 3.52% | 1.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,296 |
| Q2 2024 | $56.7M | $49.8M | $36.2M | $7.0M | $157K | 0.55% | 3.54% | 0.61% | 6,262 |
Loan mix (Q2 2026): real estate $19.9M · commercial $0 · consumer $12.4M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 80.6% | 72nd |
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: Washington, OR, ranked 25th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, OR | 1 | $48.4M* | 0.27% | 25th |
Oregon: 80th with 0.03% · Portland-Vancouver-Hillsboro metro: 59th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1