| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +6.2% | +0.9% | +5.3 pts |
| Loan growth (YoY) | -1.4% | -2.6% | +1.2 pts |
| ROA | 0.73% | 0.65% | +0.1 pts |
| ROE | 2.6% | 4.4% | -1.8 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.8M | $57.4M | $50.1M | $23.6M | $303K | 0.73% | 5.16% | 0.79% | 10,813 |
| Q1 2026 | $81.9M | $56.7M | $50.2M | $23.4M | $113K | 0.55% | 5.20% | 1.04% | 10,630 |
| Q4 2025 | $80.8M | $54.9M | $50.6M | $23.3M | $894K | 1.11% | 5.43% | 0.87% | 10,428 |
| Q3 2025 | $79.2M | $52.8M | $50.6M | $23.1M | $544K | 0.92% | 5.42% | 1.11% | 10,689 |
| Q2 2025 | $80.2M | $54.0M | $50.9M | $22.8M | $244K | 0.61% | 5.30% | 1.73% | 10,472 |
| Q1 2025 | $82.7M | $56.7M | $50.0M | $22.6M | $46K | 0.22% | 5.02% | 0.90% | 9,797 |
| Q4 2024 | $80.4M | $54.2M | $49.1M | $22.5M | $890K | 1.11% | 5.07% | 1.40% | 9,609 |
| Q3 2024 | $78.1M | $52.4M | $48.7M | $22.4M | $653K | 1.12% | 5.12% | 1.68% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 9,716 |
| Q2 2024 | $77.8M | $51.5M | $47.6M | $22.2M | $433K | 1.11% | 5.04% | 1.54% | 11,505 |
Loan mix (Q2 2026): real estate $9.1M · commercial $1.0M · consumer $37.2M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 80.6% | 48th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Clarke, MS, ranked 4th with 10.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clarke, MS | 1 | $28.7M* | 10.03% | 4th |
| Lauderdale, MS | 1 | $28.7M* | 1.19% | 12th |
Mississippi: 97th with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2