| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.9% | +1.3% | -14.2 pts |
| Share growth (YoY) | -0.8% | +0.9% | -1.8 pts |
| Loan growth (YoY) | -7.5% | -2.6% | -4.9 pts |
| ROA | -9.66% | 0.65% | -10.3 pts |
| ROE | 1422.3% | 4.4% | +1417.9 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $679K | $676K | $331K | $-5K | $-33K | -9.66% | 7.20% | 5.66% | 457 |
| Q1 2026 | $697K | $675K | $332K | $16K | $-12K | -6.72% | 7.33% | 9.83% | 394 |
| Q4 2025 | $668K | $641K | $367K | $26K | $-27K | -4.05% | 7.55% | 9.43% | 405 |
| Q3 2025 | $769K | $678K | $369K | $34K | $-19K | -3.29% | 6.74% | 5.73% | 365 |
| Q2 2025 | $779K | $681K | $358K | $36K | $-11K | -2.86% | 6.68% | 6.63% | 375 |
| Q1 2025 | $783K | $672K | $376K | $47K | $-596 | -0.30% | 7.03% | 7.93% | 395 |
| Q4 2024 | $949K | $838K | $413K | $45K | $-50K | -5.23% | 6.22% | 2.72% | 380 |
| Q3 2024 | $948K | $870K | $407K | $65K | $-35K | -4.97% | 6.22% | 1.27% | 411 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -9.66% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | 1422.3% | 4.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $999K | $853K | $425K | $83K | $-17K | -3.34% | 5.92% | 1.87% | 410 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $250K · securities $10K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 180.8% | 80.6% | 98th |
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: Adams, MS, ranked 8th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adams, MS | 1 | $676K* | 0.09% | 8th |
Mississippi: 151st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1