| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -9.0% | -2.6% | -6.3 pts |
| ROA | 2.59% | 0.65% | +1.9 pts |
| ROE | 17.8% | 4.4% | +13.4 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.0M | $12.8M | $9.9M | $2.2M | $194K | 2.59% | 5.08% | 0.31% | 1,816 |
| Q1 2026 | $15.2M | $13.1M | $10.4M | $2.1M | $115K | 3.01% | 4.90% | 0.08% | 1,814 |
| Q4 2025 | $15.0M | $13.0M | $10.5M | $2.0M | $313K | 2.09% | 4.86% | 0.46% | 1,803 |
| Q3 2025 | $15.2M | $13.3M | $10.4M | $1.9M | $238K | 2.09% | 4.77% | 0.09% | 1,790 |
| Q2 2025 | $15.3M | $13.4M | $10.9M | $1.8M | $155K | 2.03% | 4.72% | 0.12% | 1,808 |
| Q1 2025 | $15.4M | $13.7M | $11.0M | $1.8M | $67K | 1.73% | 4.38% | 0.03% | 1,781 |
| Q4 2024 | $15.3M | $13.6M | $11.0M | $1.7M | $247K | 1.61% | 4.41% | 0.47% | 1,778 |
| Q3 2024 | $15.2M | $13.6M | $11.2M | $1.6M | $182K | 1.60% | 4.43% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.59% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,777 |
| Q2 2024 | $15.7M | $14.2M | $11.0M | $1.6M | $129K | 1.64% | 4.18% | 0.47% | 1,781 |
Loan mix (Q2 2026): real estate $655K · commercial $0 · consumer $9.2M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 80.6% | 5th |
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: Navajo, AZ, ranked 10th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Navajo, AZ | 1 | $12.8M* | 0.89% | 10th |
Arizona: 105th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1