| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.6 pts |
| Loan growth (YoY) | +2.4% | -2.6% | +5.0 pts |
| ROA | -4.63% | 0.65% | -5.3 pts |
| ROE | -17.9% | 4.4% | -22.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.8M | $2.1M | $1.7M | $731K | $-65K | -4.63% | 7.09% | 2.49% | 2,080 |
| Q1 2026 | $2.9M | $2.2M | $1.7M | $763K | $-34K | -4.58% | 6.57% | 1.91% | 2,064 |
| Q4 2025 | $2.9M | $2.1M | $1.8M | $796K | $93K | 3.23% | 6.57% | 2.94% | 2,095 |
| Q3 2025 | $2.8M | $1.9M | $1.7M | $847K | $143K | 6.88% | 6.64% | 6.13% | 2,067 |
| Q2 2025 | $2.9M | $2.0M | $1.6M | $889K | $185K | 12.61% | 6.03% | 5.72% | 2,031 |
| Q1 2025 | $3.1M | $2.2M | $1.6M | $905K | $201K | 25.81% | 5.13% | 3.17% | 2,013 |
| Q4 2024 | $2.6M | $1.9M | $1.4M | $685K | $-107K | -4.16% | 7.39% | 2.77% | 1,991 |
| Q3 2024 | $2.7M | $2.0M | $1.5M | $710K | $-83K | -4.04% | 7.16% | 3.52% | 1,974 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.63% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -17.9% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 7.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.9M | $2.2M | $1.7M | $729K | $-63K | -4.39% | 6.90% | 0.66% | 1,961 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $28K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 139.3% | 80.6% | 97th |
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: Neshoba, MS, ranked 9th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Neshoba, MS | 1 | $2.1M* | 0.21% | 9th |
Mississippi: 145th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1