Cheney
Cheney, WA · Charter 7101 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$147.9MAssets
$75.9MLoans
$131.8MShares
$14.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 65% of credit unions under $1B in assets (rank 591 of 1682).
- Widest gap: net interest margin trails 94% of credit unions under $1B in assets (rank 1576 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.60%
Rank 1,014 of 1,683
Net Interest Margin
2.68%
Rank 1,576 of 1,683
Efficiency Ratio
73.01%
Rank 591 of 1,682
Equity / Assets
10.01%
Rank 1,342 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,014 / 1,683 | |
| Return on Equity | 5.96% | 2.67% | 5.89% | 8.74% | Beats 51% | 832 / 1,681 | |
| Net Interest Margin | 2.68% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,576 / 1,683 | |
| Efficiency Ratio | 73.01% | 68.91% | 78.20% | 86.93% | Beats 65% | 591 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 741 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.01% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,342 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.01% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,342 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 57.55% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,155 / 1,683 | |
| Loans / Assets | 51.28% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,078 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |