| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.1% | +2.9 pts |
| Share growth (YoY) | +6.5% | +3.5% | +2.9 pts |
| Loan growth (YoY) | +15.9% | +2.9% | +13.1 pts |
| ROA | 0.89% | 0.74% | +0.2 pts |
| ROE | 9.1% | 6.5% | +2.6 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.2M | $110.9M | $98.9M | $12.3M | $558K | 0.89% | 3.55% | 0.02% | 13,919 |
| Q1 2026 | $126.8M | $112.1M | $99.5M | $11.9M | $249K | 0.79% | 3.46% | 0.49% | 13,672 |
| Q4 2025 | $121.9M | $107.5M | $94.5M | $11.7M | $1.3M | 1.08% | 3.31% | 0.57% | 13,383 |
| Q3 2025 | $120.7M | $107.7M | $89.2M | $11.4M | $974K | 1.08% | 3.29% | 0.58% | 12,949 |
| Q2 2025 | $117.0M | $104.2M | $85.3M | $11.0M | $569K | 0.97% | 3.32% | 0.06% | 12,666 |
| Q1 2025 | $118.0M | $105.4M | $83.1M | $10.7M | $280K | 0.95% | 3.27% | 0.70% | 12,869 |
| Q4 2024 | $110.3M | $97.8M | $87.3M | $10.4M | $765K | 0.69% | 3.14% | 0.15% | 12,714 |
| Q3 2024 | $109.0M | $95.5M | $84.2M | $10.1M | $495K | 0.60% | 3.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.74% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 6.5% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.16% |
| 12,494 |
| Q2 2024 | $104.9M | $90.5M | $82.9M | $10.0M | $289K | 0.55% | 3.19% | 0.14% | 12,494 |
Loan mix (Q2 2026): real estate $43.7M · commercial $2.9M · consumer $51.6M · securities $12.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 77.5% | 53rd |
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: Seminole, FL, ranked 28th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Seminole, FL | 1 | $55.4M* | 0.36% | 28th |
| Orange, FL | 1 | $55.4M* | 0.11% | 51st |
Florida: 231st with 0.01% · Orlando-Kissimmee-Sanford metro: 50th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 2 · 2024 2 · 2025 2 · 2026 2