| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +0.9% | +0.9% | -0.1 pts |
| Loan growth (YoY) | -5.5% | -2.6% | -2.9 pts |
| ROA | 1.16% | 0.65% | +0.5 pts |
| ROE | 11.5% | 4.4% | +7.1 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.0M | $7.2M | $3.6M | $810K | $46K | 1.16% | 4.47% | 0.10% | 1,034 |
| Q1 2026 | $8.1M | $7.3M | $3.7M | $787K | $23K | 1.14% | 4.36% | 0.11% | 1,043 |
| Q4 2025 | $7.8M | $7.0M | $3.6M | $764K | $121K | 1.56% | 4.59% | 0.13% | 1,037 |
| Q3 2025 | $7.7M | $6.9M | $3.9M | $735K | $92K | 1.60% | 4.66% | 0.13% | 1,037 |
| Q2 2025 | $7.9M | $7.1M | $3.8M | $701K | $58K | 1.47% | 4.50% | 0.15% | 1,054 |
| Q1 2025 | $8.0M | $7.3M | $3.9M | $671K | $28K | 1.40% | 4.32% | 1.06% | 1,071 |
| Q4 2024 | $7.7M | $7.0M | $4.0M | $643K | $128K | 1.67% | 4.57% | 0.16% | 1,070 |
| Q3 2024 | $7.6M | $7.0M | $4.1M | $613K | $99K | 1.73% | 4.67% | 0.00% | 1,072 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 4.4% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.8M | $7.2M | $4.3M | $581K | $66K | 1.70% | 4.60% | 0.00% | 1,085 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.6M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 80.6% | 30th |
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.
3 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Berkeley, WV, ranked 16th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berkeley, WV | 2 | $4.8M* | 0.20% | 16th |
| Salt Lake, UT | 1 | $2.4M* | 0.00% | 136th |
West Virginia: 139th with 0.01% · Utah: 165th with 0.00% · Hagerstown-Martinsburg metro: 30th, 0.07% · Salt Lake City-Murray metro: 136th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3