| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.4 pts |
| Share growth (YoY) | +0.1% | +0.9% | -0.8 pts |
| Loan growth (YoY) | -10.9% | -2.6% | -8.3 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 3.8% | 4.4% | -0.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.7M | $74.7M | $30.8M | $22.7M | $430K | 0.88% | 3.94% | 1.57% | 9,515 |
| Q1 2026 | $99.0M | $76.0M | $32.2M | $22.9M | $574K | 2.32% | 3.95% | 1.54% | 9,534 |
| Q4 2025 | $96.8M | $74.2M | $33.3M | $22.3M | $782K | 0.81% | 4.26% | 2.68% | 9,662 |
| Q3 2025 | $96.5M | $74.0M | $34.0M | $22.4M | $825K | 1.14% | 4.30% | 1.55% | 9,672 |
| Q2 2025 | $96.8M | $74.6M | $34.6M | $22.1M | $563K | 1.16% | 4.32% | 2.85% | 9,663 |
| Q1 2025 | $97.6M | $75.9M | $35.1M | $21.6M | $214K | 0.88% | 4.23% | 2.22% | 9,566 |
| Q4 2024 | $95.7M | $74.0M | $34.8M | $21.4M | $1.8M | 1.89% | 4.20% | 2.45% | 9,563 |
| Q3 2024 | $96.0M | $75.0M | $34.1M | $20.9M | $1.3M | 1.75% | 4.18% | 2.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 9,578 |
| Q2 2024 | $96.7M | $76.4M | $32.6M | $20.5M | $816K | 1.69% | 4.05% | 1.51% | 11,032 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $23.4M · securities $49.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 80.6% | 44th |
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: Jefferson, AR, ranked 5th with 2.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AR | 4 | $74.7M* | 2.90% | 5th |
Arkansas: 108th with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4