| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.4% | +0.9% | +3.4 pts |
| Loan growth (YoY) | -1.6% | -2.6% | +1.0 pts |
| ROA | 1.43% | 0.65% | +0.8 pts |
| ROE | 9.5% | 4.4% | +5.1 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.6M | $15.8M | $10.5M | $2.8M | $134K | 1.43% | 4.76% | 0.08% | 2,600 |
| Q1 2026 | $18.8M | $15.9M | $10.1M | $2.8M | $99K | 2.12% | 4.74% | 0.04% | 2,581 |
| Q4 2025 | $16.8M | $14.1M | $10.7M | $2.7M | $312K | 1.86% | 5.32% | 0.05% | 2,767 |
| Q3 2025 | $17.5M | $14.8M | $11.3M | $2.7M | $276K | 2.10% | 5.08% | 0.17% | 2,782 |
| Q2 2025 | $17.8M | $15.1M | $10.7M | $2.6M | $207K | 2.33% | 4.94% | 0.54% | 2,779 |
| Q1 2025 | $18.0M | $15.5M | $9.6M | $2.5M | $102K | 2.26% | 4.84% | 0.10% | 2,757 |
| Q4 2024 | $15.7M | $13.3M | $9.8M | $2.4M | $325K | 2.07% | 5.67% | 0.06% | 2,761 |
| Q3 2024 | $16.7M | $14.3M | $10.3M | $2.3M | $293K | 2.34% | 5.37% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,748 |
| Q2 2024 | $16.8M | $14.5M | $10.4M | $2.3M | $198K | 2.36% | 5.21% | 0.04% | 2,721 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $9.2M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 80.6% | 31st |
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: Pulaski, AR, ranked 41st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 2 | $15.8M* | 0.05% | 41st |
Arkansas: 141st with 0.01% · Little Rock-North Little Rock-Conway metro: 51st, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2