| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +3.0% | +0.9% | +2.0 pts |
| Loan growth (YoY) | +10.5% | -2.6% | +13.1 pts |
| ROA | 0.36% | 0.65% | -0.3 pts |
| ROE | 2.5% | 4.4% | -1.9 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.8M | $17.8M | $5.9M | $3.0M | $37K | 0.36% | 3.26% | 0.00% | 2,978 |
| Q1 2026 | $21.0M | $18.0M | $5.8M | $2.9M | $22K | 0.42% | 3.24% | 0.00% | 2,977 |
| Q4 2025 | $20.1M | $17.2M | $5.6M | $2.9M | $67K | 0.33% | 3.02% | 0.20% | 3,001 |
| Q3 2025 | $20.8M | $17.8M | $5.3M | $2.9M | $58K | 0.37% | 2.89% | 0.00% | 3,006 |
| Q2 2025 | $20.2M | $17.3M | $5.4M | $2.9M | $24K | 0.24% | 2.86% | 0.04% | 3,025 |
| Q1 2025 | $20.4M | $17.5M | $5.5M | $2.9M | $14K | 0.27% | 2.73% | 0.00% | 3,033 |
| Q4 2024 | $19.9M | $16.9M | $5.8M | $2.9M | $132K | 0.67% | 2.71% | 0.00% | 3,063 |
| Q3 2024 | $20.3M | $17.4M | $6.0M | $2.9M | $105K | 0.69% | 2.61% | 0.10% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,089 |
| Q2 2024 | $20.3M | $17.4M | $6.3M | $2.8M | $75K | 0.74% | 2.55% | 0.04% | 3,142 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.8M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 80.6% | 77th |
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: Lee, AL, ranked 24th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lee, AL | 1 | $17.8M* | 0.35% | 24th |
Alabama: 203rd with 0.01% · Auburn-Opelika metro: 25th, 0.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1