| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +1.3% | -9.4 pts |
| Share growth (YoY) | -8.9% | +0.9% | -9.9 pts |
| Loan growth (YoY) | -23.9% | -2.6% | -21.2 pts |
| ROA | -0.39% | 0.65% | -1.0 pts |
| ROE | -4.1% | 4.4% | -8.5 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.9M | $11.5M | $6.7M | $1.2M | $-26K | -0.39% | 4.09% | 3.05% | 1,872 |
| Q1 2026 | $12.7M | $10.9M | $7.1M | $1.3M | $-8K | -0.25% | 4.14% | 3.02% | 1,861 |
| Q4 2025 | $12.3M | $10.9M | $7.6M | $1.3M | $65K | 0.52% | 4.47% | 3.63% | 1,850 |
| Q3 2025 | $13.8M | $11.8M | $8.3M | $1.3M | $86K | 0.84% | 4.00% | 2.63% | 1,851 |
| Q2 2025 | $14.1M | $12.6M | $8.8M | $1.3M | $48K | 0.68% | 3.92% | 1.47% | 1,853 |
| Q1 2025 | $14.8M | $13.3M | $9.0M | $1.2M | $32K | 0.86% | 3.69% | 1.99% | 1,867 |
| Q4 2024 | $14.2M | $12.9M | $9.5M | $1.2M | $19K | 0.14% | 4.30% | 2.48% | 1,857 |
| Q3 2024 | $13.4M | $11.7M | $10.2M | $1.3M | $76K | 0.76% | 4.70% | 1.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.39% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -4.1% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,869 |
| Q2 2024 | $12.7M | $11.2M | $10.3M | $1.2M | $32K | 0.51% | 4.91% | 2.03% | 1,857 |
Loan mix (Q2 2026): real estate $121K · commercial $0 · consumer $6.2M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.5% | 80.6% | 88th |
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.
4 branches in 2 counties across 2 states (+3 vs 2025). Biggest market: Boyd, KY, ranked 12th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Boyd, KY | 3 | $8.6M* | 0.57% | 12th |
| Mecklenburg, NC | 1 | $2.9M* | 0.00% | 60th |
Kentucky: 209th with 0.01% · North Carolina: 171st with 0.00% · Huntington-Ashland metro: 41st, 0.09% · Charlotte-Concord-Gastonia metro: 78th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 4