| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.9% | +1.3% | -7.2 pts |
| Share growth (YoY) | -9.3% | +0.9% | -10.3 pts |
| Loan growth (YoY) | -10.7% | -2.6% | -8.1 pts |
| ROA | 2.51% | 0.65% | +1.9 pts |
| ROE | 12.8% | 4.4% | +8.4 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.6M | $13.3M | $4.6M | $3.3M | $209K | 2.51% | 4.55% | 5.60% | 2,103 |
| Q1 2026 | $16.9M | $13.6M | $4.9M | $3.2M | $107K | 2.54% | 4.49% | 3.09% | 2,111 |
| Q4 2025 | $17.0M | $13.8M | $5.0M | $3.1M | $545K | 3.21% | 4.89% | 3.40% | 2,440 |
| Q3 2025 | $17.4M | $14.3M | $5.1M | $3.0M | $453K | 3.47% | 4.80% | 1.92% | 2,443 |
| Q2 2025 | $17.7M | $14.7M | $5.2M | $2.9M | $346K | 3.91% | 4.65% | 3.20% | 2,552 |
| Q1 2025 | $17.3M | $14.4M | $5.3M | $2.8M | $231K | 5.35% | 4.65% | 2.04% | 2,624 |
| Q4 2024 | $16.2M | $13.4M | $5.4M | $2.5M | $266K | 1.65% | 5.23% | 1.35% | 2,626 |
| Q3 2024 | $16.3M | $13.6M | $5.3M | $2.4M | $175K | 1.44% | 5.21% | 1.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.51% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,603 |
| Q2 2024 | $16.1M | $13.5M | $5.6M | $2.4M | $141K | 1.75% | 5.18% | 1.91% | 2,584 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.2M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 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 (-1 vs 2025). Biggest market: Berkeley, SC, ranked 22nd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berkeley, SC | 1 | $13.3M* | 0.35% | 22nd |
South Carolina: 130th with 0.01% · Charleston-North Charleston metro: 47th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1