| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.1 pts |
| Loan growth (YoY) | -3.6% | -2.6% | -0.9 pts |
| ROA | -0.47% | 0.65% | -1.1 pts |
| ROE | -3.7% | 4.4% | -8.1 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.2M | $7.1M | $4.5M | $1.0M | $-19K | -0.47% | 3.63% | 2.34% | 1,920 |
| Q1 2026 | $8.1M | $7.0M | $4.7M | $1.0M | $-12K | -0.57% | 3.82% | 1.89% | 1,917 |
| Q4 2025 | $8.2M | $7.1M | $4.6M | $1.1M | $35K | 0.42% | 3.88% | 2.14% | 1,940 |
| Q3 2025 | $8.1M | $7.1M | $4.8M | $1.0M | $14K | 0.23% | 3.85% | 1.80% | 1,960 |
| Q2 2025 | $8.1M | $7.1M | $4.7M | $1.0M | $16K | 0.40% | 3.82% | 1.86% | 1,940 |
| Q1 2025 | $8.5M | $7.4M | $4.7M | $1.0M | $7K | 0.33% | 3.48% | 1.45% | 1,946 |
| Q4 2024 | $8.4M | $7.4M | $4.8M | $1.0M | $42K | 0.50% | 3.94% | 1.73% | 1,945 |
| Q3 2024 | $8.5M | $7.4M | $4.7M | $1.0M | $34K | 0.54% | 3.93% | 1.43% | 1,936 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.47% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -3.7% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.2M | $7.2M | $4.4M | $940K | $-37K | -0.90% | 3.97% | 0.98% | 1,938 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.5M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.6% | 80.6% | 87th |
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 2 counties across 2 states (+2 vs 2025). Biggest market: Pulaski, AR, ranked 48th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 2 | $4.8M* | 0.02% | 48th |
| Dane, WI | 1 | $2.4M* | 0.01% | 49th |
Arkansas: 159th with 0.00% · Wisconsin: 322nd with 0.00% · Little Rock-North Little Rock-Conway metro: 60th, 0.01% · Madison metro: 60th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3