| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | +7.2% | -2.6% | +9.8 pts |
| ROA | 0.19% | 0.65% | -0.5 pts |
| ROE | 0.8% | 4.4% | -3.6 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.6M | $4.2M | $3.5M | $1.4M | $5K | 0.19% | 3.34% | 1.99% | 842 |
| Q1 2026 | $5.6M | $4.2M | $3.4M | $1.4M | $4K | 0.30% | 3.16% | 0.78% | 838 |
| Q4 2025 | $5.4M | $4.0M | $3.4M | $1.4M | $10K | 0.18% | 3.24% | 2.78% | 838 |
| Q3 2025 | $5.4M | $4.1M | $3.2M | $1.4M | $6K | 0.15% | 3.08% | 5.08% | 836 |
| Q2 2025 | $5.5M | $4.2M | $3.3M | $1.4M | $3K | 0.12% | 2.98% | 4.47% | 833 |
| Q1 2025 | $5.7M | $4.3M | $3.3M | $1.4M | $1 | 0.00% | 2.57% | 0.91% | 837 |
| Q4 2024 | $5.5M | $4.2M | $3.6M | $1.3M | $20K | 0.36% | 3.08% | 1.99% | 859 |
| Q3 2024 | $5.5M | $4.1M | $3.9M | $1.3M | $16K | 0.39% | 3.06% | 1.73% | 867 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.7M |
| $4.3M |
| $4.3M |
| $1.3M |
| $12K |
| 0.43% |
| 3.08% |
| 0.32% |
| 871 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.1M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 80.6% | 80th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cabell, WV, ranked 26th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cabell, WV | 1 | $4.2M* | 0.13% | 26th |
West Virginia: 142nd with 0.01% · Huntington-Ashland metro: 46th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1