| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +8.6% | +0.9% | +7.6 pts |
| Loan growth (YoY) | +4.6% | -2.6% | +7.3 pts |
| ROA | 0.01% | 0.65% | -0.6 pts |
| ROE | 0.0% | 4.4% | -4.3 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.2M | $59.9M | $42.3M | $8.6M | $2K | 0.01% | 4.04% | 0.37% | 7,480 |
| Q1 2026 | $66.5M | $57.9M | $41.1M | $8.6M | $-38K | -0.23% | 4.13% | 0.22% | 7,381 |
| Q4 2025 | $65.3M | $56.6M | $40.8M | $8.3M | $380K | 0.58% | 4.33% | 0.36% | 7,465 |
| Q3 2025 | $64.4M | $55.9M | $41.0M | $8.6M | $304K | 0.63% | 4.32% | 0.25% | 7,465 |
| Q2 2025 | $63.7M | $55.2M | $40.4M | $8.6M | $304K | 0.95% | 4.31% | 0.39% | 7,481 |
| Q1 2025 | $64.9M | $56.4M | $40.0M | $8.5M | $247K | 1.52% | 4.28% | 0.34% | 7,509 |
| Q4 2024 | $63.3M | $54.8M | $39.3M | $8.3M | $472K | 0.75% | 4.44% | 0.74% | 7,404 |
| Q3 2024 | $62.9M | $54.5M | $39.5M | $8.1M | $338K | 0.72% | 4.52% | 0.49% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,549 |
| Q2 2024 | $62.9M | $54.6M | $39.5M | $8.0M | $188K | 0.60% | 4.38% | 0.74% | 7,507 |
Loan mix (Q2 2026): real estate $9.6M · commercial $0 · consumer $30.3M · securities $21.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% | 80.6% | 70th |
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.
5 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Wake, NC, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wake, NC | 2 | $24.0M* | 0.02% | 50th |
| Person, NC | 1 | $12.0M* | 1.31% | 10th |
| Orange, NC | 1 | $12.0M* | 0.23% | 14th |
| 1 more county with Pro → | ||||
North Carolina: 117th with 0.01% · Raleigh-Cary metro: 51st, 0.02% · Durham-Chapel Hill metro: 27th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5