| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.6 pts |
| Loan growth (YoY) | -1.2% | -2.6% | +1.4 pts |
| ROA | 0.81% | 0.65% | +0.2 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.5M | $9.9M | $5.9M | $1.6M | $47K | 0.81% | 4.18% | 0.04% | 1,245 |
| Q1 2026 | $11.4M | $9.8M | $5.9M | $1.5M | $11K | 0.39% | 3.61% | 0.04% | 1,240 |
| Q4 2025 | $11.1M | $9.6M | $5.9M | $1.5M | $27K | 0.25% | 3.84% | 0.23% | 1,260 |
| Q3 2025 | $10.9M | $9.4M | $6.1M | $1.5M | $18K | 0.23% | 3.82% | 0.22% | 1,264 |
| Q2 2025 | $11.3M | $9.8M | $6.0M | $1.5M | $14K | 0.25% | 3.74% | 0.23% | 1,283 |
| Q1 2025 | $11.1M | $9.6M | $5.6M | $1.5M | $-19K | -0.70% | 2.84% | 0.00% | 1,283 |
| Q4 2024 | $10.9M | $9.3M | $5.3M | $1.5M | $116K | 1.07% | 4.55% | 0.00% | 1,281 |
| Q3 2024 | $11.2M | $9.7M | $5.7M | $1.5M | $118K | 1.41% | 4.74% | 0.00% | 1,290 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.65% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.1M | $9.6M | $5.9M | $1.5M | $100K | 1.79% | 5.09% | 0.00% | 1,300 |
Loan mix (Q2 2026): real estate $0 · commercial $23K · consumer $5.4M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 80.6% | 58th |
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.
3 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Kanawha, WV, ranked 23rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kanawha, WV | 2 | $6.6M* | 0.09% | 23rd |
| Oakland, MI | 1 | $3.3M* | 0.00% | 71st |
West Virginia: 130th with 0.01% · Michigan: 302nd with 0.00% · Charleston metro: 25th, 0.09% · Detroit-Warren-Dearborn metro: 106th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3