| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.8 pts |
| Share growth (YoY) | -1.6% | +0.7% | -2.3 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | 0.12% | 0.60% | -0.5 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.2M | $60.0M | $40.1M | $5.0M | $18K | 0.12% | 3.53% | 0.30% | 5,164 |
| Q4 2025 | $63.7M | $59.5M | $41.1M | $5.0M | $-285K | -0.45% | 3.65% | 0.57% | 5,231 |
| Q3 2025 | $64.3M | $60.2M | $41.7M | $5.2M | $-184K | -0.38% | 3.61% | 1.32% | 5,276 |
| Q2 2025 | $65.8M | $61.7M | $42.6M | $5.3M | $-55K | -0.17% | 3.46% | 1.82% | 5,318 |
| Q1 2025 | $65.1M | $61.0M | $43.4M | $5.3M | $3K | 0.02% | 3.45% | 0.75% | 5,362 |
| Q4 2024 | $63.8M | $60.0M | $44.4M | $5.3M | $1K | 0.00% | 3.56% | 1.54% | 5,380 |
| Q3 2024 | $66.8M | $62.4M | $43.5M | $5.5M | $126K | 0.25% | 3.42% | 1.14% | 5,426 |
| Q2 2024 | $67.6M | $63.5M | $45.3M | $5.5M | $113K | 0.33% | 3.38% | 0.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,446 |
Loan mix (Q1 2026): real estate $11.1M · commercial $6.7M · consumer $18.0M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 81.5% | 78th |
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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Gulf, FL, ranked 4th with 3.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gulf, FL | 2 | $41.1M* | 3.52% | 4th |
| Franklin, FL | 1 | $20.6M* | 6.05% | 3rd |
Florida: 245th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3