| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.0 pts |
| Share growth (YoY) | +8.8% | +0.9% | +7.9 pts |
| Loan growth (YoY) | -9.8% | -2.6% | -7.2 pts |
| ROA | 1.29% | 0.65% | +0.6 pts |
| ROE | 10.8% | 4.4% | +6.4 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.1M | $10.7M | $3.9M | $1.4M | $78K | 1.29% | 2.62% | 0.25% | 1,048 |
| Q1 2026 | $11.8M | $10.4M | $3.9M | $1.4M | $45K | 1.52% | 2.90% | 0.06% | 1,047 |
| Q4 2025 | $11.3M | $9.9M | $4.0M | $1.4M | $145K | 1.28% | 2.82% | 0.08% | 1,075 |
| Q3 2025 | $11.5M | $10.1M | $4.1M | $1.3M | $119K | 1.39% | 2.75% | 0.17% | 1,074 |
| Q2 2025 | $11.1M | $9.8M | $4.3M | $1.3M | $69K | 1.24% | 2.67% | 1.48% | 1,114 |
| Q1 2025 | $10.6M | $9.3M | $4.3M | $1.3M | $38K | 1.43% | 2.93% | 0.67% | 1,144 |
| Q4 2024 | $10.4M | $9.1M | $4.5M | $1.2M | $71K | 0.69% | 2.38% | 0.71% | 1,185 |
| Q3 2024 | $10.1M | $8.9M | $4.6M | $1.2M | $35K | 0.46% | 2.27% | 0.00% | 1,234 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.0M | $8.5M | $4.6M | $1.2M | $20K | 0.41% | 2.21% | 0.04% | 1,248 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 80.6% | 6th |
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: Harrison, MS, ranked 18th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrison, MS | 1 | $10.7M* | 0.15% | 18th |
Mississippi: 125th with 0.01% · Gulfport-Biloxi metro: 28th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1