| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.1% | +3.3 pts |
| Share growth (YoY) | +6.5% | +3.5% | +3.0 pts |
| Loan growth (YoY) | +8.7% | +2.9% | +5.9 pts |
| ROA | 1.93% | 0.74% | +1.2 pts |
| ROE | 15.2% | 6.5% | +8.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.4M | $118.4M | $94.0M | $17.1M | $1.3M | 1.93% | 3.68% | 1.18% | 5,396 |
| Q1 2026 | $132.1M | $115.2M | $90.5M | $16.3M | $504K | 1.53% | 3.62% | 0.26% | 5,383 |
| Q4 2025 | $129.2M | $112.9M | $87.5M | $15.8M | $1.8M | 1.43% | 3.35% | 0.42% | 5,362 |
| Q3 2025 | $126.0M | $110.2M | $87.8M | $15.7M | $1.7M | 1.82% | 3.62% | 1.38% | 5,288 |
| Q2 2025 | $126.1M | $111.2M | $86.4M | $15.0M | $1.0M | 1.65% | 3.52% | 0.34% | 5,288 |
| Q1 2025 | $122.2M | $107.6M | $85.7M | $14.4M | $468K | 1.53% | 3.55% | 0.17% | 5,324 |
| Q4 2024 | $117.9M | $100.7M | $83.5M | $14.0M | $1.2M | 1.05% | 3.12% | 0.25% | 5,288 |
| Q3 2024 | $115.3M | $97.4M | $84.1M | $13.6M | $882K | 1.02% | 3.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 0.74% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 6.5% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 5,312 |
| Q2 2024 | $117.0M | $103.1M | $81.8M | $13.3M | $515K | 0.88% | 2.90% | 0.22% | 5,307 |
Loan mix (Q2 2026): real estate $74.6M · commercial $0 · consumer $18.1M · securities $23.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 77.5% | 3rd |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Maui, HI, ranked 14th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maui, HI | 1 | $59.2M* | 0.90% | 14th |
| Collin, TX | 1 | $59.2M* | 0.13% | 60th |
Texas: 599th with 0.00% · Hawaii: 45th with 0.08% · Dallas-Fort Worth-Arlington metro: 186th, 0.01% · Kahului-Wailuku metro: 14th, 0.90% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2