| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +51.8% | +3.9% | +47.9 pts |
| Share growth (YoY) | +51.2% | +3.3% | +47.9 pts |
| Loan growth (YoY) | +39.9% | +2.9% | +36.9 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 4.8% | 5.9% | -1.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $141.7M | $120.0M | $110.1M | $20.9M | $253K | 0.71% | 5.56% | 1.44% | 16,149 |
| Q4 2025 | $137.3M | $115.9M | $113.2M | $20.8M | $1.6M | 1.18% | 5.99% | 2.07% | 12,842 |
| Q3 2025 | $140.2M | $119.0M | $114.5M | $14.3M | $1.1M | 1.08% | 5.89% | 2.34% | 16,306 |
| Q2 2025 | $90.9M | $75.8M | $79.7M | $14.1M | $490K | 1.08% | 7.20% | 2.93% | 12,772 |
| Q1 2025 | $93.3M | $79.3M | $78.8M | $13.8M | $270K | 1.16% | 7.01% | 2.60% | 12,743 |
| Q4 2024 | $92.7M | $78.4M | $80.1M | $13.6M | $1.7M | 1.84% | 7.07% | 3.70% | 12,636 |
| Q3 2024 | $91.8M | $77.2M | $79.4M | $13.4M | $1.3M | 1.93% | 7.10% | 2.88% | 12,522 |
| Q2 2024 | $90.7M | $75.2M | $78.5M | $13.0M | $929K | 2.05% | 7.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.14% |
| 12,331 |
Loan mix (Q1 2026): real estate $39.6M · commercial $4.9M · consumer $59.9M · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 78.7% | 25th |
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.
8 branches in 5 counties across 1 state (+1 vs 2024). Biggest market: Forrest, MS, ranked 9th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Forrest, MS | 4 | $37.9M* | 2.28% | 9th |
| Hinds, MS | 1 | $9.5M* | 0.11% | 24th |
| Jones, MS | 1 | $9.5M* | 0.59% | 9th |
| 2 more counties with Pro → | ||||
Mississippi: 89th with 0.10% · Hattiesburg metro: 14th, 1.30% · Jackson metro: 43rd, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 7 · 2025 8