| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +0.6% | +0.9% | -0.3 pts |
| Loan growth (YoY) | -10.1% | -2.6% | -7.4 pts |
| ROA | 0.39% | 0.65% | -0.3 pts |
| ROE | 2.2% | 4.4% | -2.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.4M | $19.2M | $9.6M | $4.1M | $45K | 0.39% | 4.23% | 1.54% | 2,771 |
| Q1 2026 | $23.4M | $19.3M | $10.4M | $4.1M | $37K | 0.64% | 4.40% | 1.09% | 2,787 |
| Q4 2025 | $23.4M | $19.3M | $11.3M | $4.0M | $121K | 0.52% | 4.34% | 1.15% | 2,800 |
| Q3 2025 | $23.5M | $19.4M | $10.1M | $4.0M | $99K | 0.56% | 4.33% | 0.92% | 2,799 |
| Q2 2025 | $23.2M | $19.1M | $10.7M | $4.0M | $84K | 0.73% | 4.57% | 0.49% | 2,801 |
| Q1 2025 | $23.1M | $19.0M | $11.1M | $4.0M | $65K | 1.13% | 4.76% | 0.11% | 2,796 |
| Q4 2024 | $23.0M | $19.1M | $11.9M | $3.9M | $280K | 1.22% | 5.00% | 0.17% | 2,808 |
| Q3 2024 | $22.9M | $19.0M | $10.4M | $3.9M | $218K | 1.27% | 5.07% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,837 |
| Q2 2024 | $22.3M | $18.5M | $11.1M | $3.9M | $177K | 1.58% | 5.51% | 0.78% | 2,844 |
Loan mix (Q2 2026): real estate $3.3M · commercial $0 · consumer $6.0M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 80.6% | 75th |
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: Orangeburg, SC, ranked 12th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orangeburg, SC | 1 | $19.2M* | 1.17% | 12th |
South Carolina: 126th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1