| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | -0.0 pts |
| Share growth (YoY) | +1.3% | +0.9% | +0.3 pts |
| Loan growth (YoY) | -1.1% | -2.6% | +1.5 pts |
| ROA | -0.19% | 0.65% | -0.8 pts |
| ROE | -1.7% | 4.4% | -6.0 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.5M | $4.8M | $3.8M | $619K | $-5K | -0.19% | 3.95% | 0.07% | 937 |
| Q1 2026 | $5.2M | $4.6M | $3.8M | $619K | $-5K | -0.41% | 4.06% | 0.00% | 935 |
| Q4 2025 | $5.0M | $4.4M | $3.9M | $624K | $17K | 0.33% | 4.46% | 0.00% | 936 |
| Q3 2025 | $5.2M | $4.6M | $3.9M | $621K | $14K | 0.35% | 4.37% | 0.16% | 938 |
| Q2 2025 | $5.4M | $4.8M | $3.9M | $619K | $12K | 0.45% | 4.33% | 0.19% | 941 |
| Q1 2025 | $5.7M | $5.0M | $4.0M | $613K | $6K | 0.41% | 4.05% | 0.25% | 939 |
| Q4 2024 | $5.4M | $4.8M | $4.0M | $608K | $25K | 0.46% | 4.23% | 0.22% | 979 |
| Q3 2024 | $5.5M | $4.9M | $4.1M | $600K | $17K | 0.41% | 4.16% | 0.14% | 990 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.7M | $5.2M | $4.1M | $586K | $4K | 0.13% | 3.87% | 0.24% | 1,007 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.6M · securities $477K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.6% | 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: Wood, WV, ranked 15th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wood, WV | 2 | $4.8M* | 0.18% | 15th |
West Virginia: 137th with 0.01% · Parkersburg-Vienna metro: 16th, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2