| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -39.9% | +1.3% | -41.2 pts |
| Share growth (YoY) | -46.2% | +0.9% | -47.1 pts |
| Loan growth (YoY) | -10.8% | -2.6% | -8.2 pts |
| ROA | 0.90% | 0.65% | +0.3 pts |
| ROE | 4.1% | 4.4% | -0.2 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.3M | $36.6M | $28.6M | $10.3M | $213K | 0.90% | 5.55% | 1.38% | 4,375 |
| Q1 2026 | $51.0M | $39.8M | $29.3M | $10.3M | $195K | 1.53% | 5.64% | 1.44% | 4,401 |
| Q4 2025 | $84.6M | $73.5M | $30.3M | $10.1M | $1.2M | 1.42% | 4.42% | 1.32% | 4,426 |
| Q3 2025 | $81.5M | $70.5M | $31.0M | $10.0M | $1.1M | 1.84% | 4.52% | 1.63% | 4,424 |
| Q2 2025 | $78.7M | $68.0M | $32.0M | $9.7M | $721K | 1.83% | 4.60% | 1.22% | 4,441 |
| Q1 2025 | $73.9M | $63.6M | $32.8M | $9.3M | $365K | 1.97% | 4.88% | 1.09% | 4,514 |
| Q4 2024 | $69.7M | $60.5M | $33.4M | $8.9M | $1.3M | 1.84% | 4.88% | 1.09% | 4,501 |
| Q3 2024 | $67.8M | $58.9M | $33.9M | $8.4M | $773K | 1.52% | 4.82% | 0.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,498 |
| Q2 2024 | $65.2M | $56.8M | $33.6M | $8.0M | $442K | 1.36% | 4.84% | 1.59% | 4,501 |
Loan mix (Q2 2026): real estate $6.2M · commercial $0 · consumer $19.3M · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 80.6% | 64th |
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.
4 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kanawha, WV, ranked 17th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kanawha, WV | 4 | $36.6M* | 0.50% | 17th |
West Virginia: 96th with 0.07% · Charleston metro: 19th, 0.47% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 4