| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +3.8% | +3.3% | +0.5 pts |
| Loan growth (YoY) | +2.0% | +2.9% | -0.9 pts |
| ROA | 2.12% | 0.69% | +1.4 pts |
| ROE | 14.7% | 5.9% | +8.8 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $211.9M | $183.5M | $134.2M | $30.6M | $1.1M | 2.12% | 3.52% | 0.10% | 8,117 |
| Q4 2025 | $207.4M | $180.9M | $133.6M | $29.6M | $610K | 0.29% | 1.74% | 0.12% | 8,894 |
| Q3 2025 | $212.1M | $182.7M | $131.4M | $32.1M | $3.1M | 1.98% | 3.26% | 0.36% | 8,848 |
| Q2 2025 | $210.1M | $182.4M | $132.7M | $31.0M | $2.0M | 1.91% | 3.19% | 0.59% | 8,810 |
| Q1 2025 | $203.0M | $176.8M | $131.5M | $29.9M | $948K | 1.87% | 3.21% | 0.45% | 8,740 |
| Q4 2024 | $195.7M | $171.6M | $132.8M | $29.1M | $603K | 0.31% | 1.62% | 0.36% | 8,722 |
| Q3 2024 | $201.4M | $173.8M | $133.5M | $31.0M | $2.5M | 1.65% | 2.84% | 0.09% | 8,699 |
| Q2 2024 | $205.3M | $177.7M | $134.5M | $30.0M | $1.5M | 1.46% | 2.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 8,642 |
Loan mix (Q1 2026): real estate $95.0M · commercial $0 · consumer $36.3M · securities $42.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 78.7% | 2nd |
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 2024). Biggest market: Jefferson, AL, ranked 21st with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AL | 2 | $182.4M* | 0.42% | 21st |
Alabama: 112th with 0.11% · Birmingham metro: 33rd, 0.34% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2