| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +16.1% | +0.9% | +15.1 pts |
| Loan growth (YoY) | -27.1% | -2.6% | -24.4 pts |
| ROA | -7.81% | 0.65% | -8.5 pts |
| ROE | -24.7% | 4.4% | -29.1 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.4M | $15.2M | $8.0M | $7.1M | $-874K | -7.81% | 2.88% | 6.12% | 1,606 |
| Q1 2026 | $21.9M | $14.3M | $8.7M | $7.5M | $-347K | -6.35% | 2.85% | 8.02% | 1,527 |
| Q4 2025 | $21.9M | $13.9M | $9.3M | $8.3M | $-204K | -0.93% | 2.89% | 9.54% | 1,627 |
| Q3 2025 | $21.6M | $13.4M | $9.9M | $8.2M | $-105K | -0.65% | 2.86% | 7.50% | 1,671 |
| Q2 2025 | $21.5M | $13.1M | $10.9M | $8.2M | $-52K | -0.49% | 3.39% | 6.78% | 1,603 |
| Q1 2025 | $21.5M | $12.9M | $11.8M | $8.6M | $127K | 2.37% | 3.62% | 2.55% | 1,603 |
| Q4 2024 | $20.8M | $12.9M | $12.2M | $7.8M | $548K | 2.63% | 3.71% | 3.54% | 1,615 |
| Q3 2024 | $21.2M | $13.1M | $12.6M | $8.1M | $397K | 2.49% | 3.56% | 4.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -7.81% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -24.7% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,620 |
| Q2 2024 | $21.4M | $13.2M | $13.0M | $8.1M | $320K | 2.99% | 3.47% | 4.44% | 1,617 |
Loan mix (Q2 2026): real estate $259K · commercial $0 · consumer $6.4M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 244.3% | 80.6% | 99th |
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: Covington, AL, ranked 9th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Covington, AL | 1 | $15.2M* | 1.23% | 9th |
Alabama: 210th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1