| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +0.1% | +0.9% | -0.8 pts |
| Loan growth (YoY) | -29.7% | -2.6% | -27.1 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 2.2% | 4.4% | -2.2 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.4M | $1.1M | $464K | $256K | $3K | 0.40% | 4.44% | 7.51% | 325 |
| Q1 2026 | $1.3M | $1.1M | $557K | $254K | $896 | 0.27% | 4.72% | 0.43% | 258 |
| Q4 2025 | $1.3M | $1.0M | $627K | $251K | $4K | 0.29% | 4.76% | 3.18% | 330 |
| Q3 2025 | $1.3M | $1.1M | $700K | $251K | $-2K | -0.19% | 4.65% | 0.00% | 255 |
| Q2 2025 | $1.4M | $1.1M | $660K | $252K | $2K | 0.32% | 4.69% | 4.22% | 263 |
| Q1 2025 | $1.4M | $1.1M | $728K | $251K | $-2K | -0.65% | 4.76% | 0.04% | 266 |
| Q4 2024 | $1.3M | $1.1M | $781K | $253K | $6K | 0.44% | 4.88% | 1.50% | 267 |
| Q3 2024 | $1.4M | $1.1M | $878K | $253K | $6K | 0.57% | 4.86% | 1.75% | 272 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.4M |
| $1.1M |
| $952K |
| $251K |
| $4K |
| 0.58% |
| 5.04% |
| 1.64% |
| 272 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $421K · securities $400K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 80.6% | 75th |
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: Berrien, GA, ranked 5th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berrien, GA | 1 | $1.1M* | 0.24% | 5th |
Georgia: 279th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1