| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +1.3% | +6.8 pts |
| Share growth (YoY) | +8.2% | +0.9% | +7.3 pts |
| Loan growth (YoY) | -1.1% | -2.6% | +1.5 pts |
| ROA | 0.73% | 0.65% | +0.1 pts |
| ROE | 5.6% | 4.4% | +1.2 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.3M | $47.1M | $24.7M | $7.1M | $198K | 0.73% | 3.36% | 0.75% | 4,065 |
| Q1 2026 | $53.2M | $46.2M | $24.9M | $7.0M | $124K | 0.93% | 3.45% | 0.52% | 4,063 |
| Q4 2025 | $52.2M | $45.2M | $24.8M | $6.9M | $572K | 1.10% | 3.57% | 0.94% | 4,030 |
| Q3 2025 | $51.8M | $45.1M | $24.8M | $6.7M | $428K | 1.10% | 3.59% | 0.46% | 4,026 |
| Q2 2025 | $50.2M | $43.5M | $25.0M | $6.6M | $296K | 1.18% | 3.76% | 0.55% | 3,988 |
| Q1 2025 | $51.0M | $44.4M | $24.4M | $6.4M | $133K | 1.04% | 3.70% | 0.74% | 3,984 |
| Q4 2024 | $50.7M | $44.3M | $24.7M | $6.3M | $475K | 0.94% | 3.28% | 1.00% | 3,948 |
| Q3 2024 | $50.8M | $44.5M | $24.4M | $6.1M | $313K | 0.82% | 3.22% | 1.37% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,045 |
| Q2 2024 | $49.6M | $43.2M | $24.6M | $6.0M | $204K | 0.82% | 3.19% | 1.09% | 4,064 |
Loan mix (Q2 2026): real estate $14.1M · commercial $0 · consumer $10.4M · securities $22.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 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 2 counties across 2 states (+0 vs 2025). Biggest market: Shelby, AL, ranked 28th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, AL | 1 | $23.5M* | 0.38% | 28th |
| Adams, CO | 1 | $23.5M* | 0.24% | 32nd |
Alabama: 193rd with 0.01% · Colorado: 177th with 0.01% · Birmingham metro: 71st, 0.04% · Denver-Aurora-Centennial metro: 96th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2