| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -4.5% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -17.8% | -2.6% | -15.2 pts |
| ROA | 1.37% | 0.65% | +0.7 pts |
| ROE | 7.4% | 4.4% | +3.0 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.2M | $4.2M | $3.1M | $955K | $35K | 1.37% | 3.69% | 0.06% | 542 |
| Q1 2026 | $5.1M | $4.2M | $3.2M | $929K | $9K | 0.73% | 3.51% | 0.04% | 548 |
| Q4 2025 | $5.1M | $4.1M | $3.4M | $919K | $38K | 0.75% | 3.73% | 0.00% | 555 |
| Q3 2025 | $5.1M | $4.1M | $3.5M | $910K | $28K | 0.75% | 3.75% | 0.00% | 556 |
| Q2 2025 | $5.3M | $4.4M | $3.8M | $911K | $30K | 1.13% | 3.51% | 0.00% | 560 |
| Q1 2025 | $5.3M | $4.4M | $4.1M | $892K | $11K | 0.82% | 3.57% | 1.42% | 562 |
| Q4 2024 | $5.2M | $4.3M | $4.4M | $881K | $28K | 0.54% | 3.92% | 0.00% | 567 |
| Q3 2024 | $5.4M | $4.5M | $4.7M | $870K | $17K | 0.41% | 3.82% | 0.00% | 568 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.5M |
| $4.6M |
| $4.6M |
| $843K |
| $-11K |
| -0.41% |
| 3.70% |
| 0.00% |
| 561 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $497K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 80.6% | 34th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Navajo, AZ, ranked 11th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Navajo, AZ | 2 | $4.2M* | 0.29% | 11th |
Arizona: 112th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2