| Metric | Cs Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.9% | +0.9% | -2.8 pts |
| Loan growth (YoY) | -1.8% | -2.6% | +0.9 pts |
| ROA | 0.50% | 0.65% | -0.2 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.5M | $25.3M | $16.1M | $5.7M | $76K | 0.50% | 3.74% | 0.46% | 2,844 |
| Q1 2026 | $31.5M | $26.3M | $16.3M | $5.7M | $34K | 0.43% | 3.59% | 0.09% | 2,841 |
| Q4 2025 | $29.7M | $24.5M | $16.7M | $5.6M | $205K | 0.69% | 4.07% | 0.27% | 2,832 |
| Q3 2025 | $29.8M | $24.6M | $17.1M | $5.6M | $141K | 0.63% | 4.09% | 0.21% | 2,867 |
| Q2 2025 | $30.7M | $25.8M | $16.4M | $5.6M | $92K | 0.60% | 3.91% | 0.42% | 2,862 |
| Q1 2025 | $31.6M | $26.7M | $16.2M | $5.5M | $30K | 0.39% | 3.67% | 0.30% | 2,849 |
| Q4 2024 | $30.9M | $26.0M | $15.5M | $5.5M | $169K | 0.55% | 3.55% | 0.51% | 2,843 |
| Q3 2024 | $31.0M | $25.9M | $15.4M | $5.5M | $121K | 0.52% | 3.52% | 1.60% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cs Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,943 |
| Q2 2024 | $30.6M | $26.0M | $15.2M | $5.4M | $102K | 0.67% | 3.58% | 0.75% | 2,942 |
Loan mix (Q2 2026): real estate $4.8M · commercial $0 · consumer $10.2M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 80.6% | 63rd |
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 | Cs Credit Union | 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 | Cs Credit Union | 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 | Cs Credit Union | 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 | Cs Credit Union | 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 | Cs Credit Union | 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 (+1 vs 2025). Biggest market: Catawba, NC, ranked 17th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Catawba, NC | 2 | $16.9M* | 0.32% | 17th |
| Marion, IN | 1 | $8.4M* | 0.02% | 43rd |
North Carolina: 149th with 0.00% · Indiana: 260th with 0.00% · Hickory-Lenoir-Morganton metro: 23rd, 0.19% · Indianapolis-Carmel-Greenwood metro: 73rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3