| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +1.3% | +7.3 pts |
| Share growth (YoY) | +5.8% | +0.9% | +4.9 pts |
| Loan growth (YoY) | -16.9% | -2.6% | -14.3 pts |
| ROA | 2.53% | 0.65% | +1.9 pts |
| ROE | 16.1% | 4.4% | +11.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.8M | $2.4M | $661K | $443K | $36K | 2.53% | 3.45% | 2.43% | 618 |
| Q1 2026 | $2.8M | $2.4M | $721K | $459K | $19K | 2.78% | 3.44% | 1.61% | 619 |
| Q4 2025 | $2.8M | $2.4M | $669K | $417K | $-16K | -0.59% | 4.10% | 0.71% | 614 |
| Q3 2025 | $2.7M | $2.4M | $698K | $463K | $-43K | -2.14% | 4.47% | 0.54% | 610 |
| Q2 2025 | $2.6M | $2.3M | $795K | $487K | $-30K | -2.35% | 4.22% | 0.35% | 607 |
| Q1 2025 | $2.5M | $2.3M | $790K | $490K | $-15K | -2.50% | 3.42% | 3.74% | 517 |
| Q4 2024 | $2.8M | $2.2M | $834K | $477K | $1K | 0.04% | 4.70% | 2.09% | 601 |
| Q3 2024 | $2.4M | $2.3M | $807K | $492K | $-12K | -0.67% | 4.76% | 10.73% | 509 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.53% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.6M | $2.3M | $795K | $487K | $-17K | -1.34% | 4.26% | 10.17% | 580 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $592K · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.7% | 80.6% | 1st |
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.
3 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Madison, AL, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, AL | 2 | $1.6M* | 0.01% | 45th |
| Collin, TX | 1 | $815K* | 0.00% | 129th |
Alabama: 247th with 0.00% · Texas: 905th with 0.00% · Huntsville metro: 49th, 0.01% · Dallas-Fort Worth-Arlington metro: 290th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3