| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +1.8% | +3.3% | -1.5 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 0.91% | 0.69% | +0.2 pts |
| ROE | 5.8% | 5.9% | -0.2 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $158.9M | $132.9M | $69.6M | $25.0M | $360K | 0.91% | 3.51% | 0.32% | 9,375 |
| Q4 2025 | $154.0M | $128.6M | $70.7M | $24.6M | $2.0M | 1.32% | 3.60% | 0.44% | 9,433 |
| Q3 2025 | $154.1M | $129.1M | $69.8M | $24.1M | $1.5M | 1.27% | 3.55% | 0.56% | 9,465 |
| Q2 2025 | $155.0M | $130.2M | $66.9M | $23.7M | $1.2M | 1.49% | 3.47% | 0.54% | 9,549 |
| Q1 2025 | $154.8M | $130.5M | $67.5M | $22.9M | $293K | 0.76% | 3.35% | 0.34% | 9,653 |
| Q4 2024 | $152.7M | $128.7M | $69.2M | $22.6M | $1.6M | 1.02% | 3.18% | 0.66% | 9,732 |
| Q3 2024 | $154.6M | $130.8M | $70.0M | $22.3M | $1.3M | 1.09% | 3.10% | 0.38% | 9,833 |
| Q2 2024 | $153.7M | $130.3M | $70.6M | $21.9M | $843K | 1.10% | 2.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 9,863 |
Loan mix (Q1 2026): real estate $32.9M · commercial $0 · consumer $35.4M · securities $61.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 78.7% | 49th |
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.
6 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Jefferson, KY, ranked 25th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, KY | 5 | $108.5M* | 0.31% | 25th |
| Clark, IN | 1 | $21.7M* | 0.58% | 16th |
Kentucky: 145th with 0.08% · Indiana: 225th with 0.01% · Louisville/Jefferson County metro: 38th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 6 · 2024 6 · 2025 6