| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +5.5% | +0.9% | +4.6 pts |
| Loan growth (YoY) | +4.5% | -2.6% | +7.1 pts |
| ROA | 0.65% | 0.65% | +0.0 pts |
| ROE | 7.9% | 4.4% | +3.5 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.5M | $39.2M | $26.2M | $3.5M | $139K | 0.65% | 4.52% | 0.59% | 3,905 |
| Q1 2026 | $42.2M | $38.7M | $25.7M | $3.5M | $85K | 0.81% | 4.49% | 0.31% | 3,958 |
| Q4 2025 | $41.4M | $39.0M | $25.4M | $3.4M | $228K | 0.55% | 4.47% | 0.62% | 3,932 |
| Q3 2025 | $40.9M | $37.3M | $25.3M | $3.3M | $162K | 0.53% | 4.46% | 0.79% | 3,898 |
| Q2 2025 | $40.4M | $37.1M | $25.1M | $3.3M | $120K | 0.59% | 4.44% | 0.98% | 3,954 |
| Q1 2025 | $41.4M | $37.9M | $24.6M | $3.2M | $36K | 0.34% | 4.19% | 0.46% | 3,926 |
| Q4 2024 | $40.1M | $36.5M | $25.6M | $3.2M | $123K | 0.31% | 4.34% | 0.90% | 3,921 |
| Q3 2024 | $37.2M | $33.5M | $25.9M | $3.1M | $35K | 0.12% | 4.57% | 0.93% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,971 |
| Q2 2024 | $36.7M | $33.3M | $26.9M | $3.1M | $-861 | -0.00% | 4.56% | 0.84% | 3,950 |
Loan mix (Q2 2026): real estate $5.5M · commercial $0 · consumer $19.5M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 80.6% | 36th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Pinellas, FL, ranked 42nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pinellas, FL | 2 | $39.2M* | 0.05% | 42nd |
Florida: 273rd with 0.00% · Tampa-St. Petersburg-Clearwater metro: 73rd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2