| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.1 pts |
| Loan growth (YoY) | -0.4% | -2.6% | +2.2 pts |
| ROA | 1.83% | 0.65% | +1.2 pts |
| ROE | 11.4% | 4.4% | +7.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.2M | $5.2M | $4.2M | $986K | $56K | 1.83% | 4.61% | 3.77% | 1,371 |
| Q1 2026 | $6.0M | $5.0M | $4.4M | $965K | $36K | 2.40% | 5.38% | 3.27% | 1,383 |
| Q4 2025 | $5.5M | $4.5M | $4.5M | $929K | $61K | 1.11% | 4.90% | 2.66% | 1,374 |
| Q3 2025 | $5.7M | $4.7M | $4.4M | $910K | $41K | 0.97% | 4.57% | 1.12% | 1,196 |
| Q2 2025 | $6.1M | $5.1M | $4.2M | $891K | $23K | 0.75% | 4.18% | 1.36% | 1,366 |
| Q1 2025 | $6.1M | $5.2M | $4.3M | $879K | $10K | 0.66% | 4.24% | 1.66% | 1,190 |
| Q4 2024 | $5.7M | $4.8M | $4.4M | $868K | $119K | 2.08% | 5.07% | 1.94% | 1,373 |
| Q3 2024 | $5.4M | $4.5M | $4.1M | $843K | $94K | 2.32% | 5.41% | 1.16% | 1,362 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.65% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.4M | $4.5M | $4.0M | $816K | $66K | 2.46% | 5.48% | 0.68% | 1,361 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $547K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 80.6% | 15th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Bibb, GA, ranked 20th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bibb, GA | 2 | $5.2M* | 0.08% | 20th |
Georgia: 266th with 0.00% · Macon-Bibb County metro: 27th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2