| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.7% | +2.9 pts |
| Share growth (YoY) | +6.9% | +4.2% | +2.7 pts |
| Loan growth (YoY) | +6.9% | +4.3% | +2.6 pts |
| ROA | 0.62% | 0.75% | -0.1 pts |
| ROE | 5.9% | 6.9% | -1.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $540.7M | $478.8M | $419.4M | $57.0M | $1.7M | 0.62% | 3.23% | 1.27% | 33,076 |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.75% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.9% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 0.99% |
| 32,854 |
| Q2 2024 | $475.7M | $425.1M | $364.5M | $49.7M | $1.1M | 0.45% | 2.93% | 0.84% | 33,134 |
Loan mix (Q2 2026): real estate $84.3M · commercial $86.7M · consumer $236.7M · securities $45.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 77.1% | 60th |
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.
9 branches in 6 counties across 1 state (-1 vs 2025). Biggest market: Leon, FL, ranked 17th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Leon, FL | 4 | $212.8M* | 2.04% | 17th |
| Escambia, FL | 1 | $53.2M* | 0.49% | 24th |
| Bay, FL | 1 | $53.2M* | 0.74% | 22nd |
| 3 more counties with Pro → | ||||
Florida: 131st with 0.05% · Tallahassee metro: 17th, 2.23% · Panama City-Panama City Beach metro: 24th, 0.69% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 10 · 2024 10 · 2025 10 · 2026 9