| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -0.9% | +0.9% | -1.9 pts |
| Loan growth (YoY) | +8.3% | -2.6% | +11.0 pts |
| ROA | 0.10% | 0.65% | -0.5 pts |
| ROE | 1.3% | 4.4% | -3.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.5M | $63.1M | $56.2M | $5.4M | $34K | 0.10% | 4.22% | 0.52% | 6,147 |
| Q1 2026 | $68.7M | $62.6M | $53.9M | $5.4M | $40K | 0.24% | 4.21% | 0.23% | 6,065 |
| Q4 2025 | $68.8M | $62.7M | $53.2M | $5.3M | $173K | 0.25% | 4.14% | 0.45% | 6,035 |
| Q3 2025 | $69.1M | $62.8M | $55.5M | $5.4M | $104K | 0.20% | 4.06% | 0.42% | 6,078 |
| Q2 2025 | $69.7M | $63.6M | $51.9M | $5.4M | $59K | 0.17% | 3.94% | 0.35% | 5,992 |
| Q1 2025 | $68.8M | $63.0M | $50.5M | $5.3M | $40K | 0.23% | 3.95% | 0.12% | 5,929 |
| Q4 2024 | $67.1M | $61.0M | $51.0M | $5.3M | $22K | 0.03% | 3.55% | 0.29% | 5,885 |
| Q3 2024 | $65.7M | $59.9M | $52.4M | $5.5M | $39K | 0.08% | 3.57% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,894 |
| Q2 2024 | $66.2M | $59.4M | $52.1M | $5.5M | $53K | 0.16% | 3.45% | 0.21% | 5,849 |
Loan mix (Q2 2026): real estate $14.0M · commercial $914K · consumer $39.1M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.4% | 80.6% | 83rd |
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: Grant, AR, ranked 4th with 8.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grant, AR | 1 | $31.5M* | 8.23% | 4th |
| Saline, AR | 1 | $31.5M* | 1.14% | 17th |
Arkansas: 117th with 0.05% · Little Rock-North Little Rock-Conway metro: 38th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2