| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.1% | +4.3 pts |
| Share growth (YoY) | +7.3% | +3.5% | +3.8 pts |
| Loan growth (YoY) | +16.1% | +2.9% | +13.2 pts |
| ROA | 1.18% | 0.74% | +0.4 pts |
| ROE | 10.7% | 6.5% | +4.2 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 | $315.6M | $283.0M | $222.6M | $34.8M | $1.9M | 1.18% | 4.06% | 0.24% | 20,961 |
| Q1 2026 | $310.6M | $278.8M | $212.3M | $33.9M | $882K | 1.14% | 4.10% | 0.06% | 20,707 |
| Q4 2025 | $304.9M | $274.2M | $203.7M | $33.0M | $3.1M | 1.00% | 3.94% | 0.17% | 20,593 |
| Q3 2025 | $298.2M | $269.3M | $196.0M | $32.0M | $2.6M | 1.14% | 3.93% | 0.15% | 20,568 |
| Q2 2025 | $291.3M | $263.6M | $191.8M | $29.4M | $2.2M | 1.50% | 3.96% | 0.20% | 20,568 |
| Q1 2025 | $286.8M | $259.7M | $173.5M | $30.4M | $962K | 1.34% | 3.91% | 0.14% | 20,240 |
| Q4 2024 | $277.2M | $253.0M | $153.9M | $29.4M | $2.4M | 0.85% | 3.80% | 0.36% | 19,902 |
| Q3 2024 | $271.8M | $246.9M | $145.6M | $29.1M | $1.7M | 0.85% | 3.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.74% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 6.5% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 19,843 |
| Q2 2024 | $263.2M | $241.5M | $136.6M | $28.5M | $1.1M | 0.83% | 3.86% | 0.44% | 19,731 |
Loan mix (Q2 2026): real estate $19.5M · commercial $4.8M · consumer $195.4M · securities $58.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 77.5% | 12th |
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.
3 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Guaynabo, PR, ranked 6th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Guaynabo, PR | 1 | $94.3M* | 2.05% | 6th |
| Guayama, PR | 1 | $94.3M* | 14.87% | 4th |
| San Juan, PR | 1 | $94.3M* | 0.17% | 8th |
Puerto Rico: 10th with 0.31% · San Juan-Bayamon-Caguas metro: 10th, 0.24% · Guayama metro: 4th, 10.41% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3