| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +1.3% | -7.4 pts |
| Share growth (YoY) | -8.9% | +0.9% | -9.8 pts |
| Loan growth (YoY) | -15.2% | -2.6% | -12.6 pts |
| ROA | 0.89% | 0.65% | +0.2 pts |
| ROE | 3.7% | 4.4% | -0.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.2M | $19.0M | $3.6M | $6.1M | $112K | 0.89% | 2.62% | 0.28% | 1,189 |
| Q1 2026 | $25.6M | $19.5M | $3.6M | $6.1M | $50K | 0.78% | 2.51% | 0.23% | 1,202 |
| Q4 2025 | $25.8M | $19.8M | $3.8M | $6.0M | $216K | 0.84% | 2.61% | 1.05% | 1,219 |
| Q3 2025 | $26.6M | $20.7M | $4.0M | $5.9M | $136K | 0.68% | 2.48% | 0.72% | 1,229 |
| Q2 2025 | $26.8M | $20.9M | $4.3M | $5.9M | $104K | 0.78% | 2.46% | 2.40% | 1,230 |
| Q1 2025 | $27.8M | $22.0M | $4.5M | $5.8M | $27K | 0.39% | 2.23% | 1.30% | 1,249 |
| Q4 2024 | $29.3M | $23.5M | $4.6M | $5.8M | $83K | 0.29% | 2.15% | 1.27% | 1,271 |
| Q3 2024 | $29.5M | $23.4M | $4.6M | $6.0M | $41K | 0.19% | 2.13% | 1.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,278 |
| Q2 2024 | $29.3M | $23.5M | $4.6M | $5.7M | $8K | 0.05% | 2.08% | 0.85% | 1,303 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $20.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 80.6% | 20th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Lexington, SC, ranked 27th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lexington, SC | 1 | $9.5M* | 0.11% | 27th |
| Richland, SC | 1 | $9.5M* | 0.04% | 38th |
South Carolina: 127th with 0.01% · Columbia metro: 42nd, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2