| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -1.6% | +0.9% | -2.6 pts |
| Loan growth (YoY) | -0.1% | -2.6% | +2.5 pts |
| ROA | -1.33% | 0.65% | -2.0 pts |
| ROE | -15.2% | 4.4% | -19.5 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.8M | $4.3M | $2.5M | $417K | $-32K | -1.33% | 5.69% | 7.75% | 1,610 |
| Q1 2026 | $4.7M | $4.3M | $2.5M | $440K | $-8K | -0.70% | 6.24% | 7.22% | 1,603 |
| Q4 2025 | $4.9M | $4.3M | $2.7M | $448K | $4K | 0.09% | 5.90% | 7.66% | 1,601 |
| Q3 2025 | $4.7M | $4.2M | $2.6M | $448K | $4K | 0.12% | 6.12% | 7.79% | 1,580 |
| Q2 2025 | $4.8M | $4.4M | $2.5M | $447K | $3K | 0.11% | 5.82% | 5.64% | 1,575 |
| Q1 2025 | $5.0M | $4.5M | $2.5M | $445K | $1K | 0.11% | 5.83% | 2.39% | 1,574 |
| Q4 2024 | $4.7M | $4.1M | $2.7M | $444K | $12K | 0.27% | 6.12% | 2.40% | 1,612 |
| Q3 2024 | $4.7M | $4.2M | $2.5M | $443K | $11K | 0.32% | 6.14% | 4.07% | 1,601 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.33% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -15.2% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.7M | $4.2M | $2.5M | $434K | $3K | 0.11% | 6.05% | 1.14% | 1,586 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.5% | 80.6% | 94th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: East Baton Rouge, LA, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| East Baton Rouge, LA | 1 | $2.2M* | 0.01% | 56th |
| Mecklenburg, NC | 1 | $2.2M* | 0.00% | 61st |
North Carolina: 172nd with 0.00% · Louisiana: 244th with 0.00% · Baton Rouge metro: 68th, 0.01% · Charlotte-Concord-Gastonia metro: 79th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2