| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +9.3% | +0.9% | +8.4 pts |
| Loan growth (YoY) | -1.1% | -2.6% | +1.5 pts |
| ROA | -0.49% | 0.65% | -1.1 pts |
| ROE | -2.1% | 4.4% | -6.4 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.0M | $3.7M | $3.3M | $1.2M | $-12K | -0.49% | 4.03% | 0.00% | 716 |
| Q1 2026 | $5.0M | $3.7M | $3.2M | $1.2M | $-13K | -1.03% | 3.96% | 0.00% | 722 |
| Q4 2025 | $4.7M | $3.5M | $3.5M | $1.2M | $21K | 0.45% | 4.49% | 0.18% | 730 |
| Q3 2025 | $4.6M | $3.4M | $3.3M | $1.2M | $9K | 0.26% | 4.54% | 0.20% | 733 |
| Q2 2025 | $4.6M | $3.4M | $3.3M | $1.2M | $15K | 0.66% | 4.55% | 0.23% | 740 |
| Q1 2025 | $4.7M | $3.4M | $3.0M | $1.2M | $10K | 0.90% | 4.57% | 0.04% | 736 |
| Q4 2024 | $4.6M | $3.4M | $3.1M | $1.2M | $-18K | -0.38% | 4.75% | 0.11% | 747 |
| Q3 2024 | $4.3M | $3.0M | $3.1M | $1.2M | $7K | 0.22% | 5.10% | 0.35% | 748 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.49% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.4M | $3.2M | $3.1M | $1.2M | $2K | 0.09% | 4.84% | 0.16% | 753 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $930K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.3% | 80.6% | 91st |
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 (+0 vs 2025). Biggest market: Pulaski, AR, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 2 | $3.7M* | 0.01% | 50th |
Arkansas: 162nd with 0.00% · Little Rock-North Little Rock-Conway metro: 62nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2