| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.6 pts |
| Loan growth (YoY) | -2.7% | -2.4% | -0.3 pts |
| ROA | -0.10% | 0.60% | -0.7 pts |
| ROE | -0.4% | 4.1% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.7M | $70.9M | $61.1M | $24.1M | $-24K | -0.10% | 4.39% | 9.88% | 9,692 |
| Q4 2025 | $91.3M | $67.7M | $61.7M | $23.4M | $-138K | -0.15% | 3.60% | 7.43% | 9,991 |
| Q3 2025 | $91.1M | $67.7M | $61.7M | $23.3M | $-138K | -0.20% | 4.81% | 7.43% | 9,991 |
| Q2 2025 | $89.7M | $66.7M | $62.0M | $22.9M | $-489K | -1.09% | 4.85% | 8.42% | 9,943 |
| Q1 2025 | $88.2M | $65.5M | $62.8M | $22.6M | $-800K | -3.63% | 5.08% | 6.11% | 9,900 |
| Q4 2024 | $85.6M | $62.2M | $65.2M | $23.4M | $1.7M | 1.93% | 5.05% | 7.54% | 9,882 |
| Q3 2024 | $84.1M | $60.9M | $66.4M | $23.0M | $1.3M | 2.05% | 5.04% | 5.18% | 9,841 |
| Q2 2024 | $86.4M | $63.8M | $65.9M | $22.5M | $753K | 1.74% | 4.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.10% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4.38% |
| 9,771 |
Loan mix (Q1 2026): real estate $14.7M · commercial $0 · consumer $38.2M · securities $17.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 81.5% | 61st |
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 2 counties across 1 state (+0 vs 2024). Biggest market: Bradley, AR, ranked 4th with 11.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bradley, AR | 1 | $33.3M* | 11.65% | 4th |
| Drew, AR | 1 | $33.3M* | 5.20% | 5th |
Arkansas: 109th with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2