| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +1.3% | -9.5 pts |
| Share growth (YoY) | -9.9% | +0.9% | -10.9 pts |
| Loan growth (YoY) | -12.7% | -2.6% | -10.0 pts |
| ROA | -1.75% | 0.65% | -2.4 pts |
| ROE | -8.5% | 4.4% | -12.9 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210K | $167K | $41K | $43K | $-2K | -1.75% | 4.17% | 8.82% | 130 |
| Q1 2026 | $231K | $186K | $44K | $44K | $-358 | -0.62% | 3.93% | 9.41% | 135 |
| Q4 2025 | $213K | $168K | $52K | $45K | $-656 | -0.31% | 4.52% | 8.18% | 133 |
| Q3 2025 | $211K | $166K | $44K | $45K | $-829 | -0.52% | 4.71% | 10.79% | 133 |
| Q2 2025 | $229K | $185K | $47K | $43K | $-2K | -1.93% | 3.58% | 10.87% | 130 |
| Q1 2025 | $234K | $189K | $47K | $45K | $-1K | -1.97% | 4.13% | 6.01% | 131 |
| Q4 2024 | $247K | $201K | $56K | $46K | $-2K | -0.84% | 3.25% | 5.03% | 129 |
| Q3 2024 | $256K | $211K | $51K | $46K | $-408 | -0.21% | 3.00% | 5.56% | 124 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.75% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -8.5% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $255K |
| $210K |
| $57K |
| $45K |
| $-2K |
| -1.42% |
| 2.40% |
| 4.96% |
| 123 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $41K · securities $128K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 140.6% | 80.6% | 97th |
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: Bristol (City), VA, ranked 9th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bristol (City), VA | 1 | $167K* | 0.03% | 9th |
Virginia: 248th with 0.00% · Kingsport-Bristol metro: 32nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1