| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +8.4% | +0.9% | +7.4 pts |
| Loan growth (YoY) | -0.5% | -2.6% | +2.1 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 6.2% | 4.4% | +1.9 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.6M | $30.7M | $15.5M | $3.1M | $98K | 0.58% | 4.43% | 1.08% | 4,137 |
| Q1 2026 | $33.5M | $30.7M | $15.7M | $3.1M | $28K | 0.33% | 4.22% | 0.69% | 4,079 |
| Q4 2025 | $31.3M | $28.2M | $15.4M | $3.0M | $155K | 0.50% | 4.45% | 1.40% | 4,048 |
| Q3 2025 | $30.6M | $27.5M | $15.3M | $3.0M | $116K | 0.51% | 4.48% | 1.31% | 3,992 |
| Q2 2025 | $31.3M | $28.3M | $15.5M | $3.0M | $77K | 0.49% | 4.35% | 1.46% | 4,031 |
| Q1 2025 | $30.8M | $27.9M | $15.4M | $2.9M | $21K | 0.27% | 4.17% | 2.15% | 4,239 |
| Q4 2024 | $29.8M | $26.8M | $15.2M | $2.9M | $67K | 0.23% | 4.00% | 1.74% | 4,204 |
| Q3 2024 | $28.5M | $25.5M | $15.0M | $2.9M | $45K | 0.21% | 4.11% | 2.03% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,124 |
| Q2 2024 | $28.4M | $25.8M | $15.1M | $2.8M | $22K | 0.15% | 4.07% | 1.94% | 4,123 |
Loan mix (Q2 2026): real estate $73K · commercial $0 · consumer $14.6M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 80.6% | 35th |
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.
4 branches in 3 counties across 1 state (+1 vs 2025). Biggest market: Cabell, WV, ranked 23rd with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cabell, WV | 2 | $15.3M* | 0.46% | 23rd |
| Logan, WV | 1 | $7.7M* | 1.17% | 8th |
| Mason, WV | 1 | $7.7M* | 1.51% | 6th |
West Virginia: 100th with 0.06% · Huntington-Ashland metro: 39th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 4