| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.7% | +1.3% | -18.0 pts |
| Share growth (YoY) | -23.9% | +0.9% | -24.8 pts |
| Loan growth (YoY) | -36.0% | -2.6% | -33.4 pts |
| ROA | 0.07% | 0.65% | -0.6 pts |
| ROE | 0.2% | 4.4% | -4.2 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $404K | $266K | $123K | $136K | $148 | 0.07% | 4.12% | 0.00% | 150 |
| Q1 2026 | $448K | $310K | $139K | $136K | $522 | 0.47% | 4.04% | 0.00% | 151 |
| Q4 2025 | $474K | $336K | $144K | $135K | $5K | 1.00% | 4.41% | 0.00% | 153 |
| Q3 2025 | $478K | $340K | $172K | $135K | $4K | 1.08% | 4.52% | 0.00% | 152 |
| Q2 2025 | $486K | $350K | $192K | $134K | $3K | 1.27% | 4.57% | 0.00% | 155 |
| Q1 2025 | $473K | $339K | $188K | $132K | $938 | 0.79% | 4.71% | 0.00% | 156 |
| Q4 2024 | $476K | $342K | $206K | $131K | $1K | 0.25% | 4.72% | 0.00% | 160 |
| Q3 2024 | $487K | $355K | $197K | $130K | $5K | 1.38% | 4.73% | 0.00% | 162 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $488K |
| $358K |
| $244K |
| $128K |
| $3K |
| 1.41% |
| 4.86% |
| 0.00% |
| 167 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $82K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 80.6% | 85th |
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: Uintah, UT, ranked 7th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Uintah, UT | 1 | $266K* | 0.03% | 7th |
Utah: 175th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1