| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +1.3% | -6.2 pts |
| Share growth (YoY) | -5.1% | +0.9% | -6.0 pts |
| Loan growth (YoY) | -13.0% | -2.6% | -10.4 pts |
| ROA | -0.65% | 0.65% | -1.3 pts |
| ROE | -5.0% | 4.4% | -9.4 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.6M | $4.0M | $3.2M | $593K | $-15K | -0.65% | 4.45% | 0.86% | 421 |
| Q1 2026 | $4.6M | $4.0M | $3.6M | $604K | $-4K | -0.36% | 4.79% | 0.60% | 433 |
| Q4 2025 | $4.7M | $4.0M | $3.8M | $608K | $-51K | -1.08% | 4.09% | 2.86% | 441 |
| Q3 2025 | $4.6M | $4.0M | $3.7M | $620K | $-39K | -1.12% | 4.03% | 1.63% | 447 |
| Q2 2025 | $4.8M | $4.2M | $3.6M | $620K | $-38K | -1.59% | 3.83% | 1.50% | 447 |
| Q1 2025 | $4.8M | $4.2M | $3.4M | $643K | $-15K | -1.25% | 3.55% | 2.85% | 455 |
| Q4 2024 | $4.8M | $4.1M | $3.7M | $658K | $-10K | -0.21% | 3.51% | 2.45% | 464 |
| Q3 2024 | $4.8M | $4.1M | $3.8M | $669K | $464 | 0.01% | 3.73% | 3.54% | 472 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.65% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -5.0% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.8M | $4.2M | $3.8M | $671K | $3K | 0.12% | 3.88% | 3.42% | 487 |
Loan mix (Q2 2026): real estate $181K · commercial $0 · consumer $2.5M · securities $452K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.7% | 80.6% | 92nd |
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: Floyd, GA, ranked 15th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Floyd, GA | 1 | $4.0M* | 0.13% | 15th |
Georgia: 269th with 0.00% · Rome metro: 15th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1