| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +3.6% | +0.9% | +2.6 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.0 pts |
| ROA | 1.91% | 0.65% | +1.3 pts |
| ROE | 7.3% | 4.4% | +2.9 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.7M | $18.7M | $9.5M | $6.7M | $246K | 1.91% | 3.68% | 2.72% | 2,390 |
| Q1 2026 | $25.5M | $18.6M | $9.5M | $6.6M | $118K | 1.85% | 3.62% | 1.34% | 2,386 |
| Q4 2025 | $25.3M | $18.5M | $9.7M | $6.5M | $550K | 2.17% | 3.86% | 0.96% | 2,379 |
| Q3 2025 | $25.1M | $18.6M | $10.0M | $6.4M | $439K | 2.33% | 4.00% | 1.53% | 2,394 |
| Q2 2025 | $24.5M | $18.0M | $9.8M | $6.2M | $293K | 2.39% | 4.12% | 0.36% | 2,416 |
| Q1 2025 | $24.4M | $18.0M | $9.8M | $6.1M | $137K | 2.25% | 3.96% | 0.69% | 2,405 |
| Q4 2024 | $23.9M | $17.6M | $10.0M | $6.0M | $332K | 1.39% | 3.24% | 0.53% | 2,413 |
| Q3 2024 | $24.4M | $18.5M | $10.0M | $5.8M | $197K | 1.07% | 2.83% | 1.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,452 |
| Q2 2024 | $24.1M | $18.1M | $10.0M | $5.7M | $103K | 0.86% | 2.49% | 1.66% | 2,484 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $9.1M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 80.6% | 6th |
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: Augusta, VA, ranked 9th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Augusta, VA | 1 | $18.7M* | 2.16% | 9th |
Virginia: 189th with 0.00% · Staunton-Stuarts Draft metro: 16th, 0.51% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1