| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.9% | +1.3% | -12.2 pts |
| Share growth (YoY) | -12.6% | +0.9% | -13.6 pts |
| Loan growth (YoY) | +1.6% | -2.6% | +4.3 pts |
| ROA | 0.79% | 0.65% | +0.1 pts |
| ROE | 8.8% | 4.4% | +4.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.4M | $31.2M | $18.0M | $3.1M | $135K | 0.79% | 4.01% | 1.00% | 2,563 |
| Q1 2026 | $34.8M | $31.7M | $17.8M | $3.1M | $104K | 1.19% | 3.88% | 0.52% | 2,567 |
| Q4 2025 | $34.8M | $31.8M | $18.0M | $3.0M | $273K | 0.78% | 3.56% | 0.54% | 2,580 |
| Q3 2025 | $36.4M | $33.5M | $18.2M | $2.9M | $179K | 0.66% | 3.27% | 0.29% | 2,591 |
| Q2 2025 | $38.6M | $35.8M | $17.7M | $2.8M | $87K | 0.45% | 2.92% | 0.46% | 2,607 |
| Q1 2025 | $34.6M | $31.9M | $17.9M | $2.7M | $15K | 0.17% | 3.09% | 0.33% | 2,585 |
| Q4 2024 | $33.4M | $30.7M | $18.2M | $2.7M | $74K | 0.22% | 2.96% | 0.40% | 2,586 |
| Q3 2024 | $32.5M | $29.8M | $18.4M | $2.7M | $54K | 0.22% | 2.97% | 0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.65% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,593 |
| Q2 2024 | $32.1M | $29.3M | $19.1M | $2.7M | $34K | 0.21% | 2.96% | 0.04% | 2,619 |
Loan mix (Q2 2026): real estate $3.4M · commercial $0 · consumer $14.1M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 80.6% | 41st |
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 2 states (+0 vs 2025). Biggest market: Daviess, KY, ranked 19th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Daviess, KY | 1 | $15.6M* | 0.46% | 19th |
| Wayne, NC | 1 | $15.6M* | 0.54% | 15th |
North Carolina: 152nd with 0.00% · Kentucky: 203rd with 0.01% · Owensboro metro: 21st, 0.43% · Goldsboro metro: 15th, 0.54% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2