| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.8% | +0.9% | +1.8 pts |
| Loan growth (YoY) | -1.1% | -2.6% | +1.5 pts |
| ROA | 1.25% | 0.65% | +0.6 pts |
| ROE | 9.6% | 4.4% | +5.2 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.8M | $21.6M | $8.4M | $3.2M | $155K | 1.25% | 3.77% | 0.06% | 3,351 |
| Q1 2026 | $25.5M | $22.3M | $8.0M | $3.2M | $86K | 1.35% | 3.67% | 0.08% | 3,437 |
| Q4 2025 | $23.0M | $19.9M | $8.3M | $3.1M | $334K | 1.45% | 4.10% | 0.13% | 3,523 |
| Q3 2025 | $23.9M | $20.8M | $8.5M | $3.0M | $267K | 1.49% | 3.97% | 0.24% | 3,527 |
| Q2 2025 | $24.0M | $21.0M | $8.5M | $2.9M | $175K | 1.46% | 3.90% | 0.17% | 3,539 |
| Q1 2025 | $24.9M | $22.0M | $8.4M | $2.8M | $86K | 1.38% | 3.66% | 0.23% | 3,552 |
| Q4 2024 | $22.9M | $20.1M | $8.8M | $2.8M | $199K | 0.87% | 3.71% | 0.18% | 3,568 |
| Q3 2024 | $24.3M | $21.5M | $9.4M | $2.7M | $134K | 0.74% | 3.40% | 0.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,583 |
| Q2 2024 | $24.2M | $21.5M | $9.5M | $2.6M | $64K | 0.53% | 3.27% | 0.23% | 3,597 |
Loan mix (Q2 2026): real estate $477K · commercial $0 · consumer $7.5M · securities $14.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 80.6% | 25th |
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: Pulaski, AR, ranked 39th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 1 | $21.6M* | 0.07% | 39th |
Arkansas: 136th with 0.02% · Little Rock-North Little Rock-Conway metro: 48th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1