| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.5 pts |
| Loan growth (YoY) | -9.0% | -2.6% | -6.4 pts |
| ROA | 0.80% | 0.65% | +0.2 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.2M | $2.5M | $849K | $659K | $13K | 0.80% | 3.88% | 0.35% | 884 |
| Q1 2026 | $3.2M | $2.5M | $881K | $653K | $7K | 0.86% | 3.83% | 0.45% | 887 |
| Q4 2025 | $3.0M | $2.4M | $915K | $650K | $22K | 0.72% | 3.85% | 0.20% | 867 |
| Q3 2025 | $3.2M | $2.6M | $846K | $647K | $19K | 0.79% | 3.92% | 1.15% | 863 |
| Q2 2025 | $3.1M | $2.5M | $933K | $637K | $9K | 0.55% | 4.01% | 0.41% | 853 |
| Q1 2025 | $2.9M | $2.3M | $880K | $632K | $4K | 0.52% | 4.11% | 0.83% | 844 |
| Q4 2024 | $2.7M | $2.1M | $973K | $628K | $11K | 0.39% | 4.86% | 0.69% | 825 |
| Q3 2024 | $3.1M | $2.5M | $970K | $617K | $-726 | -0.03% | 4.36% | 0.69% | 812 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.0M |
| $2.4M |
| $976K |
| $614K |
| $-4K |
| -0.28% |
| 4.48% |
| 1.34% |
| 794 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $693K · securities $59K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 80.6% | 58th |
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 1 county across 1 state (+2 vs 2025). Biggest market: Covington, AL, ranked 11th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Covington, AL | 3 | $2.5M* | 0.21% | 11th |
Alabama: 243rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3