| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +5.6% | +0.9% | +4.6 pts |
| Loan growth (YoY) | -1.1% | -2.6% | +1.5 pts |
| ROA | 1.61% | 0.65% | +1.0 pts |
| ROE | 10.9% | 4.4% | +6.5 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.5M | $13.2M | $9.4M | $2.3M | $125K | 1.61% | 3.57% | 0.75% | 1,268 |
| Q1 2026 | $15.3M | $13.1M | $9.5M | $2.2M | $58K | 1.52% | 3.61% | 0.29% | 1,259 |
| Q4 2025 | $14.9M | $12.7M | $9.9M | $2.2M | $258K | 1.74% | 3.72% | 0.52% | 1,258 |
| Q3 2025 | $14.5M | $12.3M | $9.7M | $2.1M | $201K | 1.85% | 3.85% | 0.87% | 1,240 |
| Q2 2025 | $14.6M | $12.5M | $9.5M | $2.0M | $135K | 1.85% | 3.81% | 0.95% | 1,238 |
| Q1 2025 | $14.6M | $12.6M | $9.5M | $2.0M | $53K | 1.47% | 3.58% | 0.74% | 1,240 |
| Q4 2024 | $13.7M | $11.8M | $9.3M | $1.9M | $175K | 1.28% | 4.03% | 1.14% | 1,213 |
| Q3 2024 | $13.2M | $11.3M | $9.1M | $1.9M | $150K | 1.52% | 4.23% | 0.35% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,293 |
| Q2 2024 | $13.2M | $11.4M | $8.7M | $1.8M | $94K | 1.42% | 4.18% | 0.83% | 1,292 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $9.1M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.9% | 80.6% | 7th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kanawha, WV, ranked 22nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kanawha, WV | 1 | $13.2M* | 0.18% | 22nd |
West Virginia: 118th with 0.02% · Charleston metro: 24th, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1