| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | -0.0% | +0.9% | -1.0 pts |
| Loan growth (YoY) | -0.4% | -2.6% | +2.2 pts |
| ROA | 2.76% | 0.65% | +2.1 pts |
| ROE | 9.4% | 4.4% | +5.1 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 | $8.9M | $6.3M | $3.1M | $2.6M | $122K | 2.76% | 6.38% | 0.27% | 1,730 |
| Q1 2026 | $8.8M | $6.2M | $3.2M | $2.5M | $67K | 3.06% | 6.73% | 0.42% | 1,731 |
| Q4 2025 | $8.5M | $6.0M | $3.4M | $2.5M | $269K | 3.16% | 7.02% | 0.21% | 1,733 |
| Q3 2025 | $8.6M | $6.2M | $3.3M | $2.4M | $223K | 3.44% | 6.93% | 0.13% | 1,712 |
| Q2 2025 | $8.5M | $6.3M | $3.1M | $2.2M | $52K | 1.22% | 6.87% | 0.49% | 1,737 |
| Q1 2025 | $8.4M | $6.1M | $3.2M | $2.2M | $51K | 2.43% | 6.99% | 2.67% | 1,737 |
| Q4 2024 | $8.3M | $6.1M | $3.3M | $2.2M | $201K | 2.41% | 6.53% | 3.43% | 1,764 |
| Q3 2024 | $8.3M | $6.1M | $3.1M | $2.2M | $166K | 2.67% | 6.46% | 1.12% | 1,724 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.76% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.3M | $6.2M | $3.2M | $2.1M | $82K | 1.97% | 6.17% | 1.33% | 1,727 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 80.6% | 13th |
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 1 state (+0 vs 2025). Biggest market: Washington, MS, ranked 9th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, MS | 1 | $3.1M* | 0.24% | 9th |
| Sunflower, MS | 1 | $3.1M* | 0.36% | 6th |
Mississippi: 135th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2