| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.8% | +1.7 pts |
| Share growth (YoY) | +5.7% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +8.3% | +4.3% | +4.0 pts |
| ROA | 0.82% | 0.62% | +0.2 pts |
| ROE | 7.8% | 5.9% | +1.8 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $535.8M | $476.2M | $413.6M | $56.4M | $1.1M | 0.82% | 3.19% | 1.04% | 32,930 |
| Q4 2025 | $519.4M | $460.1M | $410.9M | $55.3M | $4.7M | 0.90% | 3.29% | 0.79% | 32,740 |
| Q3 2025 | $510.2M | $452.9M | $407.8M | $53.7M | $3.1M | 0.80% | 3.30% | 0.76% | 32,540 |
| Q2 2025 | $502.5M | $447.9M | $392.4M | $53.2M | $2.0M | 0.81% | 3.29% | 0.62% | 32,247 |
| Q1 2025 | $503.3M | $450.6M | $382.0M | $51.9M | $785K | 0.62% | 3.20% | 0.57% | 32,307 |
| Q4 2024 | $496.9M | $444.9M | $378.0M | $51.1M | $3.0M | 0.61% | 2.95% | 0.72% | 32,484 |
| Q3 2024 | $483.1M | $432.1M | $373.4M | $50.1M | $1.9M | 0.51% | 2.95% | 0.99% | 32,854 |
| Q2 2024 | $475.7M | $425.1M | $364.5M | $49.7M | $1.1M | 0.45% | 2.93% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.62% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.84% |
| 33,134 |
Loan mix (Q1 2026): real estate $77.2M · commercial $87.0M · consumer $237.4M · securities $38.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 78.3% | 47th |
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.
10 branches in 6 counties across 1 state (+0 vs 2024). Biggest market: Leon, FL, ranked 16th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Leon, FL | 4 | $179.2M* | 1.80% | 16th |
| Escambia, FL | 2 | $89.6M* | 0.90% | 19th |
| Bay, FL | 1 | $44.8M* | 0.72% | 20th |
| 3 more counties with Pro → | ||||
Florida: 129th with 0.05% · Tallahassee metro: 16th, 1.98% · Pensacola-Ferry Pass-Brent metro: 23rd, 0.65% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 10 · 2024 10 · 2025 10