| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.4% | +1.3% | -18.7 pts |
| Share growth (YoY) | -24.7% | +0.9% | -25.6 pts |
| Loan growth (YoY) | +3.6% | -2.6% | +6.2 pts |
| ROA | 0.79% | 0.65% | +0.1 pts |
| ROE | 2.4% | 4.4% | -1.9 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $455K | $307K | $172K | $146K | $2K | 0.79% | 4.55% | 1.18% | 112 |
| Q1 2026 | $451K | $304K | $160K | $146K | $1K | 1.22% | 5.07% | 2.10% | 117 |
| Q4 2025 | $510K | $365K | $181K | $145K | $10K | 2.00% | 5.05% | 0.00% | 116 |
| Q3 2025 | $547K | $400K | $158K | $141K | $7K | 1.73% | 4.51% | 0.00% | 113 |
| Q2 2025 | $551K | $407K | $166K | $138K | $4K | 1.44% | 4.43% | 0.00% | 112 |
| Q1 2025 | $545K | $403K | $135K | $137K | $2K | 1.63% | 4.57% | 7.91% | 111 |
| Q4 2024 | $503K | $362K | $169K | $136K | $16K | 3.15% | 5.71% | 6.33% | 107 |
| Q3 2024 | $550K | $412K | $181K | $135K | $11K | 2.72% | 5.71% | 8.97% | 114 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.65% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $541K |
| $408K |
| $187K |
| $131K |
| $14K |
| 5.31% |
| 5.87% |
| 5.70% |
| 117 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $172K · securities $5K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 80.6% | 55th |
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: Brooke, WV, ranked 6th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brooke, WV | 2 | $307K* | 0.05% | 6th |
West Virginia: 149th with 0.00% · Weirton-Steubenville metro: 19th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2