| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -3.8% | +0.9% | -4.7 pts |
| Loan growth (YoY) | +2.4% | -2.6% | +5.0 pts |
| ROA | -0.90% | 0.65% | -1.5 pts |
| ROE | -8.0% | 4.4% | -12.4 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.1M | $4.6M | $2.8M | $577K | $-23K | -0.90% | 5.26% | 3.19% | 1,161 |
| Q1 2026 | $5.1M | $4.6M | $2.9M | $588K | $-12K | -0.96% | 5.08% | 2.11% | 1,167 |
| Q4 2025 | $5.2M | $4.5M | $2.7M | $600K | $202K | 3.93% | 5.56% | 2.53% | 1,202 |
| Q3 2025 | $5.4M | $4.8M | $2.6M | $620K | $223K | 5.49% | 5.15% | 1.90% | 1,238 |
| Q2 2025 | $5.4M | $4.7M | $2.7M | $449K | $52K | 1.91% | 4.90% | 4.93% | 1,245 |
| Q1 2025 | $5.0M | $4.5M | $2.8M | $476K | $82K | 6.52% | 4.85% | 3.49% | 1,256 |
| Q4 2024 | $4.8M | $4.4M | $2.9M | $398K | $4K | 0.08% | 6.05% | 5.77% | 1,233 |
| Q3 2024 | $4.7M | $4.3M | $3.1M | $402K | $8K | 0.23% | 6.27% | 2.46% | 1,265 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.90% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -8.0% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.7M | $4.3M | $3.2M | $377K | $-17K | -0.72% | 6.36% | 0.18% | 1,254 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $978K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.3% | 80.6% | 91st |
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: Lexington, SC, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lexington, SC | 1 | $4.6M* | 0.05% | 30th |
South Carolina: 135th with 0.00% · Columbia metro: 49th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1