| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.1% | +1.3% | +17.8 pts |
| Share growth (YoY) | +11.8% | +0.9% | +10.8 pts |
| Loan growth (YoY) | +0.7% | -2.6% | +3.3 pts |
| ROA | -0.02% | 0.65% | -0.7 pts |
| ROE | -0.1% | 4.4% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.4M | $34.6M | $26.9M | $10.7M | $-4K | -0.02% | 4.48% | 1.84% | 7,086 |
| Q1 2026 | $46.6M | $35.7M | $27.8M | $10.7M | $32K | 0.27% | 4.41% | 1.78% | 7,099 |
| Q4 2025 | $46.0M | $35.0M | $29.4M | $10.7M | $-158K | -0.34% | 4.10% | 2.52% | 7,139 |
| Q3 2025 | $45.8M | $35.2M | $30.8M | $10.7M | $-159K | -0.46% | 3.97% | 1.59% | 7,164 |
| Q2 2025 | $38.1M | $31.0M | $26.7M | $6.7M | $-212K | -1.11% | 4.58% | 1.87% | 6,744 |
| Q1 2025 | $38.7M | $31.5M | $27.3M | $6.8M | $-150K | -1.54% | 4.53% | 2.54% | 8,255 |
| Q4 2024 | $38.0M | $30.6M | $29.3M | $6.9M | $119K | 0.31% | 4.49% | 3.07% | 8,225 |
| Q3 2024 | $38.8M | $31.3M | $30.0M | $7.0M | $174K | 0.60% | 4.32% | 2.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,229 |
| Q2 2024 | $42.1M | $34.7M | $31.4M | $6.9M | $95K | 0.45% | 3.88% | 2.85% | 8,149 |
Loan mix (Q2 2026): real estate $3.0M · commercial $0 · consumer $18.8M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.6% | 80.6% | 80th |
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.
5 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Pulaski, AR, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 3 | $20.8M* | 0.07% | 40th |
| Crawford, AR | 1 | $6.9M* | 0.51% | 13th |
| Sebastian, AR | 1 | $6.9M* | 0.16% | 23rd |
Arkansas: 127th with 0.03% · Little Rock-North Little Rock-Conway metro: 49th, 0.05% · Fort Smith metro: 25th, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 5 · 2026 5