| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.8 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | +9.8% | +2.9% | +6.8 pts |
| ROA | 1.00% | 0.69% | +0.3 pts |
| ROE | 9.2% | 5.9% | +3.3 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $172.6M | $145.4M | $127.1M | $18.8M | $433K | 1.00% | 4.66% | 0.00% | 9,177 |
| Q4 2025 | $172.2M | $144.7M | $126.9M | $18.3M | $1.7M | 0.96% | 4.27% | 0.05% | 9,145 |
| Q3 2025 | $166.7M | $144.8M | $122.5M | $17.9M | $1.1M | 0.91% | 4.32% | 0.20% | 9,181 |
| Q2 2025 | $162.6M | $141.0M | $117.1M | $17.6M | $777K | 0.96% | 4.33% | 0.00% | 9,198 |
| Q1 2025 | $163.2M | $142.2M | $115.8M | $17.1M | $369K | 0.91% | 4.06% | 0.00% | 9,268 |
| Q4 2024 | $160.0M | $139.4M | $116.0M | $16.9M | $1.2M | 0.76% | 3.85% | 0.04% | 9,216 |
| Q3 2024 | $157.0M | $137.0M | $114.9M | $16.6M | $1.1M | 0.97% | 4.85% | 0.15% | 9,197 |
| Q2 2024 | $129.9M | $115.8M | $93.9M | $10.1M | $564K | 0.87% | 3.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 6,464 |
Loan mix (Q1 2026): real estate $66.5M · commercial $2.8M · consumer $42.8M · securities $27.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 78.7% | 63rd |
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.
5 branches in 4 counties across 1 state (+0 vs 2024). Biggest market: Calhoun, FL, ranked 2nd with 21.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calhoun, FL | 2 | $56.4M* | 21.51% | 2nd |
| Clay, FL | 1 | $28.2M* | 0.75% | 17th |
| Leon, FL | 1 | $28.2M* | 0.28% | 28th |
| 1 more county with Pro → | ||||
Florida: 204th with 0.01% · Jacksonville metro: 49th, 0.02% · Tallahassee metro: 28th, 0.25% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 5 · 2025 5