| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +5.8% | +0.9% | +4.9 pts |
| Loan growth (YoY) | +9.2% | -2.6% | +11.8 pts |
| ROA | 2.37% | 0.65% | +1.7 pts |
| ROE | 19.4% | 4.4% | +15.0 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.8M | $58.9M | $57.0M | $8.4M | $816K | 2.37% | 5.43% | 1.65% | 6,302 |
| Q1 2026 | $69.4M | $59.8M | $53.8M | $8.0M | $431K | 2.48% | 5.24% | 0.13% | 6,181 |
| Q4 2025 | $69.4M | $60.2M | $52.9M | $7.6M | $1.2M | 1.79% | 5.13% | 0.96% | 6,123 |
| Q3 2025 | $67.0M | $57.9M | $52.4M | $7.2M | $892K | 1.78% | 5.25% | 0.90% | 6,050 |
| Q2 2025 | $64.4M | $55.6M | $52.2M | $8.6M | $668K | 2.07% | 5.33% | 0.99% | 5,991 |
| Q1 2025 | $62.4M | $53.5M | $50.6M | $6.8M | $421K | 2.70% | 5.38% | 0.15% | 5,950 |
| Q4 2024 | $59.8M | $51.3M | $48.0M | $6.4M | $1.1M | 1.86% | 5.15% | 1.06% | 5,865 |
| Q3 2024 | $58.3M | $49.8M | $46.2M | $6.1M | $895K | 2.05% | 5.17% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.37% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,817 |
| Q2 2024 | $58.1M | $49.7M | $45.1M | $5.9M | $634K | 2.18% | 5.03% | 0.04% | 5,764 |
Loan mix (Q2 2026): real estate $21.2M · commercial $0 · consumer $30.0M · securities $182K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 80.6% | 24th |
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 2 states (+0 vs 2025). Biggest market: Fannin, GA, ranked 6th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fannin, GA | 1 | $29.4M* | 1.99% | 6th |
| Polk, TN | 1 | $29.4M* | 9.15% | 5th |
Tennessee: 239th with 0.01% · Georgia: 229th with 0.01% · Cleveland metro: 17th, 0.71% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2