| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | +1.2% | +0.9% | +0.2 pts |
| Loan growth (YoY) | +3.5% | -2.6% | +6.1 pts |
| ROA | -1.81% | 0.65% | -2.5 pts |
| ROE | -16.2% | 4.4% | -20.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.2M | $13.5M | $7.8M | $1.7M | $-138K | -1.81% | 2.19% | 1.84% | 2,207 |
| Q1 2026 | $15.3M | $13.5M | $7.6M | $1.7M | $-104K | -2.70% | 2.23% | 1.88% | 2,173 |
| Q4 2025 | $15.2M | $13.3M | $7.6M | $1.9M | $-115K | -0.76% | 2.22% | 1.47% | 2,146 |
| Q3 2025 | $15.3M | $13.4M | $7.6M | $1.8M | $-44K | -0.38% | 2.29% | 1.51% | 2,128 |
| Q2 2025 | $15.2M | $13.4M | $7.6M | $1.9M | $-216K | -2.84% | 2.30% | 1.51% | 2,094 |
| Q1 2025 | $16.0M | $14.2M | $7.8M | $1.9M | $-131K | -3.26% | 2.28% | 1.13% | 2,071 |
| Q4 2024 | $16.1M | $14.1M | $8.1M | $1.8M | $133K | 0.83% | 3.62% | 1.75% | 2,046 |
| Q3 2024 | $16.2M | $14.0M | $8.0M | $2.0M | $108K | 0.89% | 3.72% | 2.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.81% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -16.2% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,021 |
| Q2 2024 | $15.9M | $13.8M | $7.9M | $2.0M | $78K | 0.98% | 3.80% | 2.31% | 1,989 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.4M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 123.5% | 80.6% | 96th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Monroe, MS, ranked 7th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, MS | 2 | $13.5M* | 1.68% | 7th |
Mississippi: 121st with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2