| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +4.9% | +0.9% | +3.9 pts |
| Loan growth (YoY) | -0.8% | -2.6% | +1.8 pts |
| ROA | 0.86% | 0.65% | +0.2 pts |
| ROE | 5.9% | 4.4% | +1.5 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.6M | $25.2M | $19.0M | $4.4M | $128K | 0.86% | 4.23% | 1.83% | 4,946 |
| Q1 2026 | $29.7M | $25.3M | $18.7M | $4.3M | $74K | 1.00% | 4.06% | 1.06% | 4,887 |
| Q4 2025 | $28.3M | $24.1M | $18.2M | $4.2M | $294K | 1.04% | 4.21% | 1.83% | 4,851 |
| Q3 2025 | $27.8M | $23.7M | $18.7M | $4.1M | $192K | 0.92% | 4.22% | 1.20% | 4,826 |
| Q2 2025 | $28.1M | $24.1M | $19.1M | $4.1M | $108K | 0.77% | 4.05% | 1.34% | 4,786 |
| Q1 2025 | $27.8M | $23.9M | $19.4M | $4.0M | $65K | 0.93% | 4.34% | 1.35% | 4,737 |
| Q4 2024 | $26.2M | $22.2M | $19.8M | $4.0M | $147K | 0.56% | 3.67% | 2.14% | 4,700 |
| Q3 2024 | $26.2M | $22.3M | $19.8M | $3.9M | $111K | 0.57% | 3.61% | 2.26% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,694 |
| Q2 2024 | $27.9M | $24.1M | $20.2M | $3.9M | $67K | 0.48% | 3.22% | 2.29% | 4,663 |
Loan mix (Q2 2026): real estate $1.6M · commercial $0 · consumer $14.7M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 80.6% | 39th |
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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Fayette, WV, ranked 7th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, WV | 2 | $16.8M* | 2.64% | 7th |
| Fairfax (City), VA | 1 | $8.4M* | 0.13% | 18th |
West Virginia: 114th with 0.03% · Virginia: 203rd with 0.00% · Beckley metro: 16th, 0.67% · Washington-Arlington-Alexandria metro: 144th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3