| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.9% | +1.8 pts |
| Share growth (YoY) | +5.1% | +3.3% | +1.8 pts |
| Loan growth (YoY) | -4.5% | +2.9% | -7.5 pts |
| ROA | 0.70% | 0.69% | +0.0 pts |
| ROE | 7.5% | 5.9% | +1.6 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $216.4M | $196.2M | $138.1M | $20.1M | $378K | 0.70% | 3.61% | 0.27% | 18,529 |
| Q4 2025 | $207.6M | $188.1M | $139.7M | $19.8M | $1.6M | 0.76% | 3.86% | 0.34% | 18,761 |
| Q3 2025 | $209.4M | $189.5M | $142.6M | $19.5M | $1.3M | 0.82% | 3.82% | 0.10% | 20,037 |
| Q2 2025 | $207.4M | $188.8M | $142.5M | $19.0M | $823K | 0.79% | 3.80% | 0.15% | 20,413 |
| Q1 2025 | $204.8M | $186.7M | $144.7M | $18.7M | $400K | 0.78% | 3.81% | 0.21% | 20,764 |
| Q4 2024 | $200.7M | $183.4M | $148.4M | $18.3M | $1.7M | 0.86% | 3.81% | 0.39% | 21,190 |
| Q3 2024 | $199.7M | $171.7M | $146.6M | $18.0M | $1.4M | 0.93% | 3.79% | 0.72% | 21,533 |
| Q2 2024 | $200.2M | $173.5M | $150.9M | $17.5M | $919K | 0.92% | 3.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 22,068 |
Loan mix (Q1 2026): real estate $64.7M · commercial $18.7M · consumer $44.0M · securities $26.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 78.7% | 74th |
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.
9 branches in 7 counties across 1 state (+0 vs 2024). Biggest market: Lauderdale, AL, ranked 15th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lauderdale, AL | 2 | $42.0M* | 1.23% | 15th |
| Jefferson, AL | 2 | $42.0M* | 0.10% | 44th |
| Mobile, AL | 1 | $21.0M* | 0.18% | 39th |
| 4 more counties with Pro → | ||||
Alabama: 108th with 0.12% · Florence-Muscle Shoals metro: 15th, 1.20% · Birmingham metro: 57th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9