| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +1.3% | +9.2 pts |
| Share growth (YoY) | +10.9% | +0.9% | +10.0 pts |
| Loan growth (YoY) | +1.6% | -2.6% | +4.2 pts |
| ROA | 1.11% | 0.65% | +0.5 pts |
| ROE | 4.6% | 4.4% | +0.2 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.8M | $23.9M | $16.0M | $7.6M | $176K | 1.11% | 4.34% | 0.83% | 3,066 |
| Q1 2026 | $30.5M | $22.9M | $15.7M | $7.4M | $36K | 0.47% | 4.44% | 0.72% | 3,058 |
| Q4 2025 | $30.7M | $23.2M | $16.0M | $7.4M | $455K | 1.48% | 4.35% | 1.39% | 3,051 |
| Q3 2025 | $28.9M | $21.5M | $15.8M | $7.3M | $333K | 1.53% | 4.52% | 0.53% | 3,023 |
| Q2 2025 | $28.7M | $21.5M | $15.7M | $7.1M | $183K | 1.28% | 4.35% | 0.61% | 3,022 |
| Q1 2025 | $28.6M | $21.4M | $16.0M | $7.0M | $91K | 1.27% | 4.34% | 0.67% | 3,007 |
| Q4 2024 | $28.6M | $21.5M | $16.1M | $7.0M | $613K | 2.14% | 4.60% | 1.89% | 2,988 |
| Q3 2024 | $27.2M | $20.4M | $16.1M | $6.8M | $445K | 2.18% | 4.88% | 0.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.65% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,984 |
| Q2 2024 | $26.9M | $20.1M | $16.4M | $6.6M | $182K | 1.35% | 4.90% | 0.71% | 2,984 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $13.4M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 80.6% | 36th |
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: Forrest, MS, ranked 15th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Forrest, MS | 2 | $23.9M* | 1.05% | 15th |
Mississippi: 113th with 0.03% · Hattiesburg metro: 20th, 0.53% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2