| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +7.5% | +0.9% | +6.5 pts |
| Loan growth (YoY) | -1.5% | -2.6% | +1.2 pts |
| ROA | 3.20% | 0.65% | +2.6 pts |
| ROE | 5.8% | 4.4% | +1.4 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.3M | $1.5M | $1.3M | $1.8M | $52K | 3.20% | 5.35% | 0.54% | 764 |
| Q1 2026 | $3.3M | $1.5M | $1.3M | $1.8M | $36K | 4.38% | 5.37% | 0.73% | 741 |
| Q4 2025 | $3.1M | $1.4M | $1.4M | $1.1M | $193K | 6.15% | 5.51% | 1.06% | 717 |
| Q3 2025 | $3.1M | $1.4M | $1.3M | $1.0M | $154K | 6.52% | 5.42% | 0.52% | 734 |
| Q2 2025 | $3.1M | $1.4M | $1.3M | $995K | $117K | 7.43% | 5.10% | 0.22% | 712 |
| Q1 2025 | $2.6M | $1.4M | $1.3M | $957K | $79K | 12.00% | 5.84% | 0.22% | 703 |
| Q4 2024 | $2.4M | $1.3M | $1.3M | $878K | $148K | 6.08% | 5.87% | 0.30% | 685 |
| Q3 2024 | $2.4M | $1.3M | $1.1M | $854K | $124K | 6.77% | 5.77% | 1.20% | 694 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.20% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.2M | $1.1M | $1.0M | $827K | $97K | 8.64% | 6.17% | 0.08% | 662 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.2M · securities $19
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 80.6% | 15th |
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: Marengo, AL, ranked 8th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marengo, AL | 1 | $1.5M* | 0.23% | 8th |
Alabama: 250th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1