| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +3.9% | -2.1 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | +9.1% | +2.9% | +6.2 pts |
| ROA | 0.93% | 0.69% | +0.2 pts |
| ROE | 9.6% | 5.9% | +3.7 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $419.6M | $374.6M | $311.8M | $40.6M | $977K | 0.93% | 4.70% | 0.76% | 40,399 |
| Q4 2025 | $406.7M | $361.8M | $307.6M | $40.9M | $4.2M | 1.04% | 4.70% | 1.18% | 40,191 |
| Q3 2025 | $408.6M | $366.1M | $304.5M | $39.5M | $2.9M | 0.94% | 4.59% | 0.82% | 40,816 |
| Q2 2025 | $410.6M | $368.6M | $294.2M | $38.5M | $1.8M | 0.90% | 4.47% | 0.52% | 41,500 |
| Q1 2025 | $412.0M | $372.6M | $285.8M | $37.4M | $793K | 0.77% | 4.34% | 0.57% | 41,227 |
| Q4 2024 | $393.9M | $355.5M | $281.9M | $37.9M | $2.6M | 0.65% | 4.12% | 0.89% | 41,027 |
| Q3 2024 | $396.8M | $359.8M | $281.2M | $37.1M | $1.8M | 0.61% | 3.99% | 0.77% | 41,063 |
| Q2 2024 | $395.4M | $361.8M | $279.5M | $36.5M | $1.2M | 0.59% | 3.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 41,003 |
Loan mix (Q1 2026): real estate $133.3M · commercial $28.6M · consumer $140.3M · securities $48.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 78.7% | 37th |
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.
7 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Horry, SC, ranked 14th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Horry, SC | 5 | $263.3M* | 2.17% | 14th |
| Florence, SC | 2 | $105.3M* | 2.58% | 11th |
South Carolina: 61st with 0.25% · Myrtle Beach-Conway-North Myrtle Beach metro: 14th, 2.17% · Florence metro: 12th, 2.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7