| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.1% | +4.2 pts |
| Share growth (YoY) | +7.5% | +3.5% | +4.0 pts |
| Loan growth (YoY) | -1.8% | +2.9% | -4.7 pts |
| ROA | 1.64% | 0.74% | +0.9 pts |
| ROE | 13.2% | 6.5% | +6.8 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $166.7M | $144.0M | $110.2M | $20.6M | $1.4M | 1.64% | 3.79% | 2.51% | 9,035 |
| Q1 2026 | $160.8M | $138.9M | $111.1M | $19.9M | $614K | 1.53% | 3.85% | 2.31% | 8,889 |
| Q4 2025 | $159.7M | $138.6M | $110.5M | $19.2M | $2.7M | 1.71% | 3.80% | 2.46% | 8,609 |
| Q3 2025 | $155.5M | $135.3M | $108.4M | $18.6M | $2.1M | 1.76% | 3.85% | 1.95% | 8,866 |
| Q2 2025 | $153.9M | $133.9M | $112.2M | $17.9M | $1.3M | 1.75% | 3.80% | 1.77% | 8,936 |
| Q1 2025 | $150.8M | $131.6M | $107.9M | $17.2M | $685K | 1.82% | 3.77% | 1.64% | 8,816 |
| Q4 2024 | $146.7M | $128.3M | $106.9M | $16.5M | $2.3M | 1.55% | 3.61% | 1.41% | 8,758 |
| Q3 2024 | $143.4M | $125.9M | $103.0M | $16.0M | $1.7M | 1.60% | 3.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.74% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 6.5% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 8,720 |
| Q2 2024 | $140.1M | $123.3M | $99.2M | $15.3M | $1.1M | 1.59% | 3.66% | 0.50% | 8,799 |
Loan mix (Q2 2026): real estate $59.0M · commercial $4.1M · consumer $27.7M · securities $20.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 77.5% | 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.
6 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Sanpete, UT, ranked 5th with 16.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sanpete, UT | 5 | $120.0M* | 16.61% | 5th |
| Kent, MI | 1 | $24.0M* | 0.07% | 57th |
Utah: 79th with 0.01% · Michigan: 257th with 0.01% · Grand Rapids-Wyoming-Kentwood metro: 70th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 6