| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -3.9% | +0.9% | -4.8 pts |
| Loan growth (YoY) | -13.8% | -2.6% | -11.1 pts |
| ROA | -0.07% | 0.65% | -0.7 pts |
| ROE | -0.6% | 4.4% | -5.0 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.2M | $10.8M | $5.6M | $1.4M | $-4K | -0.07% | 4.20% | 3.53% | 1,532 |
| Q1 2026 | $12.1M | $10.7M | $5.6M | $1.4M | $-8K | -0.25% | 4.16% | 3.75% | 1,523 |
| Q4 2025 | $12.1M | $10.7M | $5.8M | $1.4M | $23K | 0.19% | 4.25% | 1.23% | 1,518 |
| Q3 2025 | $12.9M | $11.4M | $6.1M | $1.4M | $-43K | -0.44% | 3.95% | 0.97% | 1,524 |
| Q2 2025 | $12.6M | $11.2M | $6.5M | $1.4M | $14K | 0.23% | 4.06% | 1.21% | 1,737 |
| Q1 2025 | $12.5M | $11.0M | $6.7M | $1.4M | $-2K | -0.07% | 4.06% | 0.10% | 1,736 |
| Q4 2024 | $12.1M | $10.6M | $7.3M | $1.4M | $4K | 0.03% | 4.34% | 0.57% | 1,744 |
| Q3 2024 | $12.4M | $11.0M | $7.6M | $1.4M | $24K | 0.25% | 4.23% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.07% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,753 |
| Q2 2024 | $12.8M | $11.2M | $7.8M | $1.4M | $17K | 0.26% | 4.05% | 0.20% | 1,757 |
Loan mix (Q2 2026): real estate $438K · commercial $0 · consumer $4.4M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.0% | 80.6% | 88th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Meade, KY, ranked 5th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Meade, KY | 2 | $10.8M* | 1.52% | 5th |
Kentucky: 208th with 0.01% · Louisville/Jefferson County metro: 66th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2