| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | +5.4% | -2.6% | +8.0 pts |
| ROA | 0.56% | 0.65% | -0.1 pts |
| ROE | 2.4% | 4.4% | -1.9 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.6M | $36.5M | $32.8M | $10.8M | $132K | 0.56% | 5.22% | 0.80% | 5,038 |
| Q1 2026 | $47.3M | $36.2M | $32.4M | $10.8M | $70K | 0.59% | 5.11% | 0.88% | 5,008 |
| Q4 2025 | $46.6M | $35.8M | $31.6M | $10.7M | $366K | 0.79% | 5.26% | 1.12% | 4,972 |
| Q3 2025 | $47.0M | $36.3M | $31.0M | $10.6M | $205K | 0.58% | 5.15% | 1.19% | 4,942 |
| Q2 2025 | $46.7M | $36.1M | $31.1M | $10.6M | $244K | 1.05% | 5.18% | 1.00% | 4,920 |
| Q1 2025 | $47.0M | $36.5M | $29.8M | $10.5M | $57K | 0.49% | 5.14% | 0.60% | 4,896 |
| Q4 2024 | $46.2M | $35.5M | $30.4M | $10.4M | $284K | 0.61% | 4.94% | 1.38% | 4,883 |
| Q3 2024 | $45.8M | $35.5M | $30.7M | $10.4M | $234K | 0.68% | 4.89% | 1.62% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,941 |
| Q2 2024 | $49.1M | $38.9M | $30.4M | $10.3M | $152K | 0.62% | 4.53% | 1.17% | 4,935 |
Loan mix (Q2 2026): real estate $19.3M · commercial $0 · consumer $9.3M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.7% | 80.6% | 69th |
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.
3 branches in 3 counties across 2 states (+0 vs 2025). Biggest market: Darlington, SC, ranked 10th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Darlington, SC | 1 | $12.2M* | 1.25% | 10th |
| San Diego, CA | 1 | $12.2M* | 0.01% | 72nd |
| Florence, SC | 1 | $12.2M* | 0.28% | 23rd |
South Carolina: 121st with 0.02% · California: 410th with 0.00% · Florence metro: 24th, 0.46% · San Diego-Chula Vista-Carlsbad metro: 72nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3