| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -4.7% | +0.9% | -5.7 pts |
| Loan growth (YoY) | +9.2% | -2.6% | +11.8 pts |
| ROA | 1.46% | 0.65% | +0.8 pts |
| ROE | 6.9% | 4.4% | +2.5 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.2M | $12.0M | $5.8M | $3.2M | $110K | 1.46% | 3.38% | 0.61% | 1,429 |
| Q1 2026 | $14.9M | $11.7M | $5.7M | $3.1M | $59K | 1.58% | 3.48% | 0.04% | 1,433 |
| Q4 2025 | $14.6M | $11.5M | $5.7M | $3.1M | $251K | 1.72% | 3.68% | 0.13% | 1,435 |
| Q3 2025 | $15.1M | $12.1M | $5.5M | $3.0M | $202K | 1.78% | 3.56% | 0.06% | 1,419 |
| Q2 2025 | $15.5M | $12.6M | $5.3M | $3.0M | $137K | 1.76% | 3.38% | 0.11% | 1,428 |
| Q1 2025 | $14.9M | $11.9M | $5.6M | $2.9M | $68K | 1.83% | 3.49% | 0.17% | 1,429 |
| Q4 2024 | $14.4M | $11.6M | $5.5M | $2.8M | $300K | 2.09% | 3.79% | 0.32% | 1,432 |
| Q3 2024 | $14.4M | $11.6M | $5.5M | $2.8M | $218K | 2.03% | 3.81% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.65% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,432 |
| Q2 2024 | $14.2M | $11.5M | $5.6M | $2.7M | $151K | 2.12% | 3.84% | 0.30% | 1,430 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.7M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 80.6% | 13th |
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 11th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Augusta, VA | 1 | $12.0M* | 1.38% | 11th |
Virginia: 195th with 0.00% · Staunton-Stuarts Draft metro: 17th, 0.33% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1