| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | -0.8% | +0.9% | -1.7 pts |
| Loan growth (YoY) | +1.0% | -2.6% | +3.7 pts |
| ROA | 1.85% | 0.65% | +1.2 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.4M | $3.5M | $2.3M | $2.8M | $59K | 1.85% | 5.42% | 0.28% | 924 |
| Q1 2026 | $6.4M | $3.5M | $2.2M | $2.8M | $32K | 2.02% | 5.75% | 2.84% | 915 |
| Q4 2025 | $6.4M | $3.6M | $2.3M | $2.8M | $143K | 2.24% | 5.72% | 2.66% | 904 |
| Q3 2025 | $6.3M | $3.6M | $2.3M | $2.8M | $117K | 2.46% | 5.87% | 4.50% | 902 |
| Q2 2025 | $6.3M | $3.6M | $2.2M | $2.7M | $72K | 2.29% | 5.76% | 1.77% | 895 |
| Q1 2025 | $6.0M | $3.4M | $2.3M | $2.7M | $38K | 2.54% | 6.22% | 2.61% | 890 |
| Q4 2024 | $5.9M | $3.3M | $2.2M | $2.6M | $146K | 2.47% | 6.15% | 3.07% | 887 |
| Q3 2024 | $5.9M | $3.3M | $2.2M | $2.6M | $119K | 2.66% | 6.23% | 2.38% | 892 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 0.65% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.9M | $3.3M | $2.2M | $2.6M | $76K | 2.58% | 6.25% | 2.77% | 876 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 80.6% | 21st |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Jefferson, AL, ranked 64th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AL | 1 | $3.5M* | 0.01% | 64th |
Alabama: 239th with 0.00% · Birmingham metro: 94th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1