| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.1 pts |
| Share growth (YoY) | +8.3% | +0.9% | +7.3 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.3 pts |
| ROA | 0.69% | 0.65% | +0.0 pts |
| ROE | 8.2% | 4.4% | +3.8 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.3M | $16.6M | $13.5M | $1.5M | $63K | 0.69% | 5.24% | 0.05% | 2,618 |
| Q1 2026 | $18.0M | $16.3M | $13.7M | $1.5M | $39K | 0.88% | 5.31% | 0.06% | 2,685 |
| Q4 2025 | $17.3M | $15.8M | $13.6M | $1.5M | $81K | 0.47% | 5.33% | 0.15% | 2,706 |
| Q3 2025 | $17.5M | $16.0M | $14.0M | $1.5M | $48K | 0.36% | 5.18% | 0.03% | 2,695 |
| Q2 2025 | $16.7M | $15.3M | $14.0M | $1.4M | $9K | 0.10% | 5.24% | 0.05% | 2,693 |
| Q1 2025 | $16.5M | $15.1M | $13.2M | $1.4M | $-4K | -0.11% | 5.07% | 0.00% | 2,651 |
| Q4 2024 | $16.6M | $15.2M | $13.1M | $1.4M | $-14K | -0.09% | 5.01% | 0.02% | 2,967 |
| Q3 2024 | $16.3M | $14.8M | $13.6M | $1.4M | $-36K | -0.29% | 5.09% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,290 |
| Q2 2024 | $16.8M | $15.4M | $13.1M | $1.4M | $3K | 0.04% | 4.94% | 0.01% | 3,291 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $12.6M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 80.6% | 53rd |
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: Houston, GA, ranked 16th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Houston, GA | 2 | $16.6M* | 0.40% | 16th |
Georgia: 247th with 0.00% · Warner Robins metro: 16th, 0.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2