| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -2.3% | +0.9% | -3.2 pts |
| Loan growth (YoY) | -10.0% | -2.6% | -7.4 pts |
| ROA | -1.13% | 0.65% | -1.8 pts |
| ROE | -13.5% | 4.4% | -17.9 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.9M | $4.5M | $2.5M | $414K | $-28K | -1.13% | 5.64% | 0.27% | 651 |
| Q1 2026 | $5.1M | $4.7M | $2.4M | $415K | $-26K | -2.08% | 5.73% | 0.00% | 664 |
| Q4 2025 | $4.9M | $4.4M | $2.7M | $442K | $-4K | -0.08% | 6.45% | 2.08% | 664 |
| Q3 2025 | $5.1M | $4.7M | $2.8M | $448K | $-89 | -0.00% | 6.20% | 1.99% | 667 |
| Q2 2025 | $5.1M | $4.6M | $2.8M | $445K | $-118 | -0.00% | 6.02% | 3.09% | 671 |
| Q1 2025 | $5.1M | $4.6M | $3.0M | $450K | $5K | 0.39% | 6.10% | 3.05% | 677 |
| Q4 2024 | $5.0M | $4.5M | $3.1M | $445K | $18K | 0.36% | 6.53% | 1.48% | 686 |
| Q3 2024 | $5.0M | $4.6M | $3.2M | $444K | $16K | 0.44% | 6.55% | 1.00% | 679 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.13% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -13.5% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.2M | $4.7M | $3.3M | $442K | $17K | 0.65% | 6.25% | 0.93% | 887 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 80.6% | 67th |
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 (-1 vs 2025). Biggest market: Kanawha, WV, ranked 26th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kanawha, WV | 1 | $4.5M* | 0.06% | 26th |
West Virginia: 141st with 0.01% · Charleston metro: 28th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 1