| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.1 pts |
| Loan growth (YoY) | +6.0% | -2.6% | +8.7 pts |
| ROA | -0.58% | 0.65% | -1.2 pts |
| ROE | -6.3% | 4.4% | -10.7 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.3M | $4.8M | $2.9M | $487K | $-15K | -0.58% | 6.12% | 0.25% | 1,971 |
| Q1 2026 | $5.2M | $4.7M | $2.9M | $493K | $-10K | -0.74% | 6.25% | 0.22% | 2,139 |
| Q4 2025 | $5.0M | $4.5M | $3.0M | $502K | $-2K | -0.04% | 6.45% | 0.32% | 2,135 |
| Q3 2025 | $5.0M | $4.5M | $2.8M | $484K | $-21K | -0.55% | 6.40% | 0.13% | 2,113 |
| Q2 2025 | $5.2M | $4.7M | $2.7M | $486K | $-19K | -0.73% | 6.05% | 0.63% | 2,098 |
| Q1 2025 | $5.6M | $5.0M | $2.6M | $498K | $-7K | -0.48% | 5.67% | 0.31% | 2,061 |
| Q4 2024 | $5.2M | $4.7M | $2.7M | $504K | $5K | 0.10% | 5.97% | 0.45% | 2,103 |
| Q3 2024 | $5.4M | $4.9M | $2.5M | $491K | $-8K | -0.20% | 5.71% | 0.20% | 2,117 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.58% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -6.3% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.2M | $4.7M | $2.3M | $499K | $-688 | -0.03% | 5.83% | 1.00% | 2,093 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $734K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.3% | 80.6% | 88th |
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: Newton, MS, ranked 6th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Newton, MS | 1 | $4.8M* | 1.20% | 6th |
Mississippi: 137th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1