| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +5.0% | +0.9% | +4.1 pts |
| Loan growth (YoY) | -13.8% | -2.6% | -11.2 pts |
| ROA | 1.39% | 0.65% | +0.7 pts |
| ROE | 12.9% | 4.4% | +8.5 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 | $72.5M | $64.7M | $10.2M | $7.8M | $502K | 1.39% | 3.57% | 0.44% | 7,578 |
| Q1 2026 | $72.2M | $64.5M | $10.3M | $7.5M | $250K | 1.39% | 3.50% | 0.05% | 7,815 |
| Q4 2025 | $70.1M | $62.5M | $10.7M | $7.3M | $932K | 1.33% | 3.52% | 0.33% | 7,859 |
| Q3 2025 | $68.8M | $61.5M | $11.2M | $7.1M | $675K | 1.31% | 3.56% | 0.51% | 7,944 |
| Q2 2025 | $69.3M | $61.6M | $11.8M | $6.8M | $430K | 1.24% | 3.49% | 0.74% | 8,099 |
| Q1 2025 | $69.8M | $62.8M | $12.0M | $6.6M | $194K | 1.11% | 3.33% | 0.41% | 8,291 |
| Q4 2024 | $67.3M | $60.4M | $11.9M | $6.4M | $804K | 1.20% | 3.18% | 1.05% | 8,247 |
| Q3 2024 | $66.9M | $60.3M | $12.1M | $6.2M | $620K | 1.24% | 3.13% | 1.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,430 |
| Q2 2024 | $68.5M | $61.8M | $12.1M | $6.0M | $372K | 1.09% | 3.00% | 1.34% | 8,477 |
Loan mix (Q2 2026): real estate $4.9M · commercial $0 · consumer $5.1M · securities $53.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 80.6% | 28th |
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 (+0 vs 2025). Biggest market: Berkeley, WV, ranked 11th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berkeley, WV | 2 | $64.7M* | 2.65% | 11th |
West Virginia: 77th with 0.12% · Hagerstown-Martinsburg metro: 20th, 0.92% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2