| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +2.5% | +0.9% | +1.6 pts |
| Loan growth (YoY) | -16.9% | -2.6% | -14.3 pts |
| ROA | 0.03% | 0.65% | -0.6 pts |
| ROE | 0.2% | 4.4% | -4.1 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.1M | $62.9M | $29.1M | $8.9M | $11K | 0.03% | 3.28% | 0.44% | 8,805 |
| Q1 2026 | $70.7M | $61.6M | $30.5M | $8.8M | $-63K | -0.36% | 3.31% | 0.22% | 8,909 |
| Q4 2025 | $68.1M | $60.9M | $32.2M | $8.8M | $413K | 0.61% | 3.43% | 1.01% | 9,000 |
| Q3 2025 | $68.5M | $59.5M | $33.1M | $8.9M | $384K | 0.75% | 3.40% | 0.46% | 9,238 |
| Q2 2025 | $70.1M | $61.4M | $35.0M | $8.7M | $240K | 0.68% | 3.28% | 0.75% | 9,444 |
| Q1 2025 | $70.9M | $62.3M | $36.2M | $8.6M | $124K | 0.70% | 3.16% | 0.66% | 9,555 |
| Q4 2024 | $68.3M | $60.6M | $37.7M | $8.5M | $358K | 0.52% | 3.17% | 0.58% | 9,933 |
| Q3 2024 | $69.8M | $61.0M | $38.1M | $8.4M | $201K | 0.38% | 3.05% | 0.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 10,175 |
| Q2 2024 | $72.6M | $64.0M | $38.2M | $8.3M | $108K | 0.30% | 2.88% | 0.36% | 10,455 |
Loan mix (Q2 2026): real estate $12.3M · commercial $0 · consumer $16.5M · securities $29.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 80.6% | 68th |
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.
4 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Jefferson, KY, ranked 34th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, KY | 3 | $47.2M* | 0.13% | 34th |
| Bullitt, KY | 1 | $15.7M* | 1.01% | 11th |
Kentucky: 164th with 0.04% · Louisville/Jefferson County metro: 46th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4