| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +4.1% | -7.3 pts |
| Share growth (YoY) | -5.0% | +3.5% | -8.6 pts |
| Loan growth (YoY) | -2.9% | +2.9% | -5.7 pts |
| ROA | 0.99% | 0.74% | +0.2 pts |
| ROE | 5.7% | 6.5% | -0.8 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.2M | $94.4M | $61.9M | $19.7M | $563K | 0.99% | 5.49% | 1.01% | 8,389 |
| Q1 2026 | $115.6M | $96.3M | $59.2M | $19.2M | $43K | 0.15% | 5.51% | 1.38% | 8,414 |
| Q4 2025 | $116.4M | $97.0M | $60.3M | $19.2M | $1.4M | 1.22% | 5.36% | 1.68% | 8,404 |
| Q3 2025 | $116.9M | $97.9M | $60.4M | $19.0M | $1.2M | 1.40% | 5.30% | 1.65% | 8,473 |
| Q2 2025 | $118.0M | $99.4M | $63.8M | $18.5M | $708K | 1.20% | 5.09% | 1.25% | 8,452 |
| Q1 2025 | $117.2M | $99.1M | $61.3M | $18.1M | $327K | 1.12% | 5.09% | 1.36% | 8,037 |
| Q4 2024 | $115.3M | $97.5M | $62.8M | $17.8M | $1.4M | 1.22% | 5.06% | 1.44% | 8,464 |
| Q3 2024 | $115.4M | $98.0M | $65.9M | $17.3M | $961K | 1.11% | 4.99% | 1.68% |
| Ratio | White River Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.74% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 6.5% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.49% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 8,376 |
| Q2 2024 | $116.1M | $98.9M | $65.5M | $17.1M | $715K | 1.23% | 4.93% | 1.46% | 8,283 |
Loan mix (Q2 2026): real estate $21.4M · commercial $0 · consumer $40.2M · securities $38.2M
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 | White River 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 | White River 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 | White River 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 | White River 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 | White River 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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: King, WA, ranked 47th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| King, WA | 2 | $94.4M* | 0.07% | 47th |
Washington: 99th with 0.03% · Seattle-Tacoma-Bellevue metro: 60th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2