| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +4.0% | +0.9% | +3.1 pts |
| Loan growth (YoY) | +1.1% | -2.6% | +3.7 pts |
| ROA | 0.43% | 0.65% | -0.2 pts |
| ROE | 3.0% | 4.4% | -1.3 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $74.1M | $62.4M | $36.1M | $10.4M | $158K | 0.43% | 4.63% | 0.22% | 10,813 |
| Q1 2026 | $73.8M | $62.1M | $35.4M | $10.3M | $86K | 0.47% | 4.49% | 0.35% | 10,908 |
| Q4 2025 | $72.4M | $60.6M | $35.8M | $10.3M | $191K | 0.26% | 4.54% | 0.97% | 10,816 |
| Q3 2025 | $70.9M | $59.6M | $34.8M | $10.2M | $99K | 0.19% | 4.57% | 1.18% | 10,700 |
| Q2 2025 | $71.1M | $60.0M | $35.7M | $10.2M | $80K | 0.23% | 4.49% | 0.88% | 10,074 |
| Q1 2025 | $71.8M | $60.8M | $34.9M | $10.1M | $-10K | -0.06% | 4.27% | 0.78% | 10,778 |
| Q4 2024 | $71.3M | $60.4M | $34.6M | $10.1M | $72K | 0.10% | 4.21% | 1.09% | 10,699 |
| Q3 2024 | $70.1M | $59.5M | $34.5M | $10.0M | $-36K | -0.07% | 4.22% | 1.22% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 10,662 |
| Q2 2024 | $69.4M | $58.4M | $34.8M | $10.0M | $-37K | -0.11% | 4.19% | 0.96% | 9,936 |
Loan mix (Q2 2026): real estate $90K · commercial $0 · consumer $31.4M · securities $27.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 80.6% | 66th |
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 1 state (+0 vs 2025). Biggest market: Wayne, GA, ranked 5th with 6.3% of deposits.
Georgia: 216th with 0.01% · Hinesville metro: 8th, 1.42% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3