| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +38.8% | +4.1% | +34.7 pts |
| Share growth (YoY) | +47.0% | +3.5% | +43.5 pts |
| Loan growth (YoY) | +25.1% | +2.9% | +22.3 pts |
| ROA | 0.32% | 0.74% | -0.4 pts |
| ROE | 2.1% | 6.5% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.9M | $149.7M | $109.9M | $27.0M | $278K | 0.32% | 4.24% | 0.88% | 10,586 |
| Q1 2026 | $156.1M | $134.8M | $90.4M | $24.0M | $110K | 0.28% | 4.15% | 0.79% | 10,650 |
| Q4 2025 | $125.8M | $106.4M | $83.6M | $19.9M | $345K | 0.27% | 4.39% | 0.97% | 7,067 |
| Q3 2025 | $125.0M | $106.9M | $86.3M | $20.1M | $440K | 0.47% | 4.45% | 0.77% | 7,137 |
| Q2 2025 | $126.0M | $101.8M | $87.8M | $20.0M | $377K | 0.60% | 4.43% | 0.81% | 7,276 |
| Q1 2025 | $126.8M | $103.3M | $90.1M | $19.9M | $221K | 0.70% | 4.42% | 0.42% | 7,317 |
| Q4 2024 | $129.9M | $101.0M | $89.8M | $19.6M | $774K | 0.60% | 4.15% | 0.56% | 7,370 |
| Q3 2024 | $133.4M | $101.2M | $90.8M | $19.5M | $484K | 0.48% | 4.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.74% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 6.5% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 7,483 |
| Q2 2024 | $130.4M | $103.0M | $88.0M | $19.3M | $350K | 0.54% | 4.05% | 0.67% | 7,540 |
Loan mix (Q2 2026): real estate $32.6M · commercial $26.8M · consumer $42.9M · securities $33.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 77.5% | 94th |
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.
6 branches in 4 counties across 2 states (+2 vs 2025). Biggest market: Richland, SC, ranked 26th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Richland, SC | 3 | $74.8M* | 0.33% | 26th |
| Jefferson, KY | 1 | $24.9M* | 0.07% | 36th |
| Greenville, SC | 1 | $24.9M* | 0.12% | 47th |
| 1 more county with Pro → | ||||
South Carolina: 93rd with 0.06% · Kentucky: 174th with 0.03% · Columbia metro: 29th, 0.22% · Greenville-Anderson-Greer metro: 55th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 6