| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.1% | -5.5 pts |
| Share growth (YoY) | -2.5% | +3.5% | -6.1 pts |
| Loan growth (YoY) | -5.0% | +2.9% | -7.8 pts |
| ROA | 0.75% | 0.74% | +0.0 pts |
| ROE | 4.6% | 6.5% | -1.9 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $144.0M | $120.4M | $56.7M | $23.5M | $543K | 0.75% | 3.28% | 0.62% | 11,348 |
| Q1 2026 | $144.9M | $121.5M | $57.3M | $23.3M | $292K | 0.81% | 3.22% | 0.25% | 11,439 |
| Q4 2025 | $142.7M | $119.6M | $59.8M | $23.0M | $1.6M | 1.14% | 3.36% | 0.53% | 11,571 |
| Q3 2025 | $144.7M | $121.8M | $59.1M | $22.8M | $1.4M | 1.29% | 3.29% | 0.50% | 11,693 |
| Q2 2025 | $146.0M | $123.5M | $59.6M | $22.7M | $1.1M | 1.52% | 3.20% | 0.65% | 11,776 |
| Q1 2025 | $147.6M | $126.0M | $59.2M | $21.8M | $251K | 0.68% | 3.09% | 0.61% | 11,820 |
| Q4 2024 | $144.1M | $122.7M | $60.4M | $21.6M | $394K | 0.27% | 2.97% | 0.84% | 11,913 |
| Q3 2024 | $146.3M | $125.2M | $59.7M | $21.3M | $120K | 0.11% | 2.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.74% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 6.5% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 11,989 |
| Q2 2024 | $147.5M | $126.6M | $59.3M | $21.5M | $136K | 0.18% | 2.59% | 0.94% | 12,113 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $50.8M · securities $82.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 77.5% | 59th |
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: Sebastian, AR, ranked 11th with 2.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sebastian, AR | 1 | $120.4M* | 2.71% | 11th |
Arkansas: 94th with 0.10% · Fort Smith metro: 15th, 1.81% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1