| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -8.0% | +0.9% | -8.9 pts |
| Loan growth (YoY) | +10.9% | -2.6% | +13.5 pts |
| ROA | -0.23% | 0.65% | -0.9 pts |
| ROE | -0.6% | 4.4% | -4.9 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $462K | $267K | $337K | $192K | $-531 | -0.23% | 9.93% | 0.70% | 272 |
| Q1 2026 | $469K | $274K | $294K | $191K | $-1K | -1.12% | 10.09% | 0.85% | 271 |
| Q4 2025 | $480K | $284K | $351K | $193K | $1K | 0.21% | 9.58% | 1.01% | 283 |
| Q3 2025 | $475K | $280K | $307K | $192K | $551 | 0.15% | 9.63% | 1.49% | 279 |
| Q2 2025 | $485K | $290K | $304K | $191K | $-503 | -0.21% | 9.39% | 6.41% | 280 |
| Q1 2025 | $501K | $307K | $290K | $191K | $-1K | -0.86% | 9.07% | 4.72% | 281 |
| Q4 2024 | $486K | $290K | $329K | $192K | $9K | 1.76% | 10.19% | 3.19% | 282 |
| Q3 2024 | $495K | $299K | $326K | $191K | $7K | 1.98% | 9.97% | 3.12% | 296 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.65% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 9.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $502K | $311K | $340K | $187K | $4K | 1.51% | 9.65% | 4.41% | 294 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $330K · securities $3K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.1% | 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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Brunswick, VA, ranked 4th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brunswick, VA | 2 | $267K* | 0.14% | 4th |
Virginia: 246th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2