| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.1% | -1.6 pts |
| Share growth (YoY) | +2.8% | +3.5% | -0.7 pts |
| Loan growth (YoY) | +6.2% | +2.9% | +3.3 pts |
| ROA | 0.49% | 0.74% | -0.2 pts |
| ROE | 3.5% | 6.5% | -2.9 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.6M | $150.4M | $88.8M | $24.0M | $425K | 0.49% | 3.49% | 0.13% | 10,179 |
| Q1 2026 | $172.7M | $148.7M | $86.5M | $23.8M | $223K | 0.52% | 3.43% | 0.06% | 10,151 |
| Q4 2025 | $170.5M | $146.6M | $84.0M | $23.6M | $1.6M | 0.95% | 3.49% | 0.16% | 10,117 |
| Q3 2025 | $167.1M | $143.1M | $82.7M | $23.4M | $1.4M | 1.13% | 3.54% | 0.11% | 10,101 |
| Q2 2025 | $170.4M | $146.3M | $83.6M | $23.1M | $1.2M | 1.38% | 3.44% | 0.17% | 10,178 |
| Q1 2025 | $171.8M | $148.0M | $82.8M | $23.0M | $1.0M | 2.41% | 3.32% | 0.13% | 10,147 |
| Q4 2024 | $165.9M | $143.7M | $84.7M | $22.0M | $3.9M | 2.32% | 3.39% | 0.20% | 10,102 |
| Q3 2024 | $165.9M | $143.0M | $83.4M | $20.4M | $2.3M | 1.83% | 3.39% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.74% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.5% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 9,815 |
| Q2 2024 | $171.8M | $149.7M | $82.5M | $18.7M | $542K | 0.63% | 3.21% | 0.24% | 9,868 |
Loan mix (Q2 2026): real estate $44.5M · commercial $0 · consumer $42.0M · securities $68.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 77.5% | 77th |
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: San Bernardino, CA, ranked 36th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Bernardino, CA | 1 | $150.4M* | 0.30% | 36th |
California: 279th with 0.01% · Riverside-San Bernardino-Ontario metro: 47th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1