| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.1% | +1.3% | +21.8 pts |
| Share growth (YoY) | +26.8% | +0.9% | +25.8 pts |
| Loan growth (YoY) | +25.6% | -2.6% | +28.2 pts |
| ROA | 0.74% | 0.65% | +0.1 pts |
| ROE | 5.0% | 4.4% | +0.6 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $488K | $409K | $26K | $72K | $2K | 0.74% | 3.66% | 13.99% | 274 |
| Q1 2026 | $446K | $371K | $27K | $71K | $648 | 0.58% | 4.17% | 0.00% | 273 |
| Q4 2025 | $417K | $340K | $30K | $71K | $4K | 1.05% | 3.76% | 0.00% | 242 |
| Q3 2025 | $416K | $343K | $33K | $66K | $221 | 0.07% | 3.86% | 10.60% | 264 |
| Q2 2025 | $397K | $323K | $21K | $68K | $1K | 0.69% | 4.04% | 2.15% | 257 |
| Q1 2025 | $402K | $332K | $26K | $68K | $1K | 1.38% | 4.62% | 1.94% | 265 |
| Q4 2024 | $381K | $312K | $36K | $66K | $10K | 2.58% | 4.49% | 2.35% | 268 |
| Q3 2024 | $375K | $309K | $27K | $64K | $7K | 2.64% | 4.79% | 3.56% | 261 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $401K |
| $336K |
| $32K |
| $64K |
| $7K |
| 3.71% |
| 4.75% |
| 8.46% |
| 262 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $23K · securities $370K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 80.6% | 56th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Chatham, GA, ranked 34th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chatham, GA | 1 | $409K* | 0.00% | 34th |
Georgia: 283rd with 0.00% · Savannah metro: 38th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1