| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -1.9% | -2.6% | +0.8 pts |
| ROA | 1.09% | 0.65% | +0.4 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.2M | $66.1M | $35.7M | $13.8M | $434K | 1.09% | 4.07% | 1.32% | 4,145 |
| Q1 2026 | $79.1M | $66.3M | $35.9M | $13.5M | $180K | 0.91% | 3.95% | 1.19% | 4,133 |
| Q4 2025 | $78.3M | $65.5M | $35.9M | $13.3M | $1.0M | 1.34% | 4.11% | 1.41% | 4,113 |
| Q3 2025 | $78.9M | $66.3M | $36.7M | $13.1M | $839K | 1.42% | 4.04% | 2.05% | 4,182 |
| Q2 2025 | $80.5M | $68.2M | $36.3M | $12.9M | $600K | 1.49% | 3.93% | 2.23% | 4,219 |
| Q1 2025 | $83.5M | $71.7M | $35.9M | $12.6M | $283K | 1.35% | 3.72% | 2.03% | 4,230 |
| Q4 2024 | $81.5M | $69.7M | $36.1M | $12.3M | $549K | 0.67% | 3.45% | 1.53% | 4,214 |
| Q3 2024 | $78.6M | $67.2M | $36.3M | $12.0M | $307K | 0.52% | 3.45% | 1.27% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,295 |
| Q2 2024 | $77.4M | $66.0M | $36.3M | $12.0M | $216K | 0.56% | 3.38% | 1.16% | 4,271 |
Loan mix (Q2 2026): real estate $13.4M · commercial $0 · consumer $20.6M · securities $38.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 80.6% | 17th |
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: Whatcom, WA, ranked 19th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Whatcom, WA | 1 | $66.1M* | 0.78% | 19th |
Washington: 113th with 0.02% · Bellingham metro: 19th, 0.78% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1