| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.1% | +6.3 pts |
| Share growth (YoY) | +10.8% | +3.5% | +7.2 pts |
| Loan growth (YoY) | +7.4% | +2.9% | +4.5 pts |
| ROA | 0.98% | 0.74% | +0.2 pts |
| ROE | 8.9% | 6.5% | +2.4 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.2M | $122.9M | $100.0M | $15.5M | $687K | 0.98% | 4.95% | 0.62% | 13,942 |
| Q1 2026 | $135.8M | $119.5M | $97.8M | $15.0M | $203K | 0.60% | 5.04% | 0.48% | 13,934 |
| Q4 2025 | $127.2M | $111.1M | $97.2M | $14.8M | $927K | 0.73% | 5.01% | 0.96% | 13,849 |
| Q3 2025 | $127.0M | $111.2M | $94.5M | $14.5M | $631K | 0.66% | 4.92% | 0.91% | 13,795 |
| Q2 2025 | $127.0M | $111.0M | $93.2M | $14.5M | $461K | 0.73% | 4.80% | 0.87% | 13,613 |
| Q1 2025 | $127.9M | $112.5M | $90.5M | $14.1M | $115K | 0.36% | 4.61% | 0.94% | 13,649 |
| Q4 2024 | $118.4M | $103.1M | $91.0M | $14.0M | $415K | 0.35% | 4.83% | 0.70% | 13,441 |
| Q3 2024 | $116.8M | $101.7M | $89.7M | $14.1M | $459K | 0.52% | 4.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.74% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 6.5% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 13,464 |
| Q2 2024 | $111.5M | $96.0M | $87.8M | $14.0M | $253K | 0.45% | 5.05% | 0.92% | 13,415 |
Loan mix (Q2 2026): real estate $18.1M · commercial $0 · consumer $79.6M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 77.5% | 51st |
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.
7 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Miami-Dade, FL, ranked 60th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Miami-Dade, FL | 6 | $105.3M* | 0.05% | 60th |
| Palm Beach, FL | 1 | $17.6M* | 0.03% | 59th |
Florida: 223rd with 0.01% · Miami-Fort Lauderdale-West Palm Beach metro: 86th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 6 · 2024 6 · 2025 7 · 2026 7