| Metric | Weststar Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.1% | -2.5 pts |
| Share growth (YoY) | +0.5% | +3.5% | -3.1 pts |
| Loan growth (YoY) | +21.6% | +2.9% | +18.7 pts |
| ROA | 0.33% | 0.74% | -0.4 pts |
| ROE | 3.0% | 6.5% | -3.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $272.7M | $248.4M | $172.4M | $29.6M | $445K | 0.33% | 3.60% | 0.49% | 19,149 |
| Q1 2026 | $274.1M | $251.1M | $162.1M | $29.4M | $296K | 0.43% | 3.58% | 0.49% | 19,256 |
| Q4 2025 | $271.1M | $246.5M | $157.1M | $29.1M | $866K | 0.32% | 3.36% | 0.80% | 19,402 |
| Q3 2025 | $264.8M | $243.3M | $148.9M | $28.9M | $557K | 0.28% | 3.40% | 0.81% | 19,635 |
| Q2 2025 | $268.3M | $247.2M | $141.8M | $28.8M | $399K | 0.30% | 3.25% | 0.66% | 19,743 |
| Q1 2025 | $266.9M | $246.7M | $134.0M | $28.5M | $89K | 0.13% | 3.10% | 0.40% | 19,896 |
| Q4 2024 | $257.7M | $238.1M | $127.2M | $28.4M | $968K | 0.38% | 3.25% | 0.55% | 20,008 |
| Q3 2024 | $254.8M | $234.2M | $128.3M | $28.2M | $703K | 0.37% | 3.27% |
| Ratio | Weststar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.74% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 6.5% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 20,211 |
| Q2 2024 | $254.8M | $235.7M | $126.8M | $27.8M | $241K | 0.19% | 3.21% | 0.45% | 20,478 |
Loan mix (Q2 2026): real estate $92.0M · commercial $0 · consumer $79.5M · securities $75.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 77.5% | 75th |
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 | Weststar Credit Union | 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 | Weststar Credit Union | 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 | Weststar Credit Union | 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 | Weststar Credit Union | 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 | Weststar Credit Union | 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.
5 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Clark, NV, ranked 37th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, NV | 4 | $198.7M* | 0.19% | 37th |
| Washoe, NV | 1 | $49.7M* | 0.28% | 21st |
Nevada: 40th with 0.19% · Las Vegas-Henderson-North Las Vegas metro: 37th, 0.19% · Reno metro: 23rd, 0.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 5 · 2024 5 · 2025 5 · 2026 5