| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Share growth (YoY) | +5.1% | +4.9% | +0.3 pts |
| Loan growth (YoY) | +4.3% | +5.4% | -1.1 pts |
| ROA | 0.75% | 0.71% | +0.0 pts |
| ROE | 6.3% | 6.3% | -0.0 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.74B | $2.39B | $2.16B | $329.1M | $5.1M | 0.75% | 3.50% | 0.77% | 195,131 |
| Q4 2025 | $2.69B | $2.34B | $2.17B | $323.9M | $37.4M | 1.39% | 3.43% | 0.94% | 194,683 |
| Q3 2025 | $2.63B | $2.29B | $2.17B | $317.5M | $29.2M | 1.48% | 3.46% | 0.78% | 195,598 |
| Q2 2025 | $2.60B | $2.28B | $2.14B | $306.3M | $18.0M | 1.38% | 3.40% | 0.83% | 195,129 |
| Q1 2025 | $2.59B | $2.27B | $2.07B | $295.3M | $7.0M | 1.08% | 3.31% | 0.62% | 193,885 |
| Q4 2024 | $2.52B | $2.21B | $2.01B | $288.3M | $27.1M | 1.07% | 2.98% | 0.78% | 193,631 |
| Q3 2024 | $2.51B | $2.21B | $1.97B | $284.7M | $21.6M | 1.15% | 2.88% | 0.71% | 195,392 |
| Q2 2024 | $2.51B | $2.21B | $1.96B | $274.3M | $11.2M | 0.90% | 2.81% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.71% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.3% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 196,591 |
Loan mix (Q1 2026): real estate $601.4M · commercial $43.8M · consumer $1.38B · securities $112.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 73.0% | 49th |
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.
22 branches in 7 counties across 1 state (+1 vs 2024). Biggest market: Jefferson, AL, ranked 6th with 2.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AL | 12 | $1.24B* | 2.85% | 6th |
| Shelby, AL | 3 | $310.7M* | 5.44% | 7th |
| Calhoun, AL | 2 | $207.2M* | 6.72% | 7th |
| 4 more counties with Pro → | ||||
Alabama: 13th with 1.41% · Birmingham metro: 6th, 3.24% · Anniston-Oxford metro: 7th, 6.72% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 21 · 2023 21 · 2024 21 · 2025 22