| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -0.9% | +0.9% | -1.9 pts |
| Loan growth (YoY) | -3.2% | -2.6% | -0.6 pts |
| ROA | -0.19% | 0.65% | -0.8 pts |
| ROE | -1.9% | 4.4% | -6.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.4M | $28.8M | $19.3M | $3.3M | $-32K | -0.19% | 4.03% | 1.31% | 2,852 |
| Q1 2026 | $32.7M | $29.2M | $19.3M | $3.4M | $-27K | -0.33% | 3.84% | 0.87% | 2,855 |
| Q4 2025 | $32.2M | $28.5M | $19.0M | $3.4M | $37K | 0.12% | 4.21% | 0.64% | 2,873 |
| Q3 2025 | $31.9M | $28.3M | $19.4M | $3.4M | $37K | 0.15% | 4.25% | 0.39% | 2,901 |
| Q2 2025 | $32.7M | $29.1M | $19.9M | $3.4M | $25K | 0.16% | 4.17% | 0.34% | 2,908 |
| Q1 2025 | $33.7M | $30.1M | $19.6M | $3.4M | $15K | 0.18% | 4.08% | 0.56% | 2,898 |
| Q4 2024 | $33.3M | $29.8M | $20.3M | $3.3M | $42K | 0.13% | 3.99% | 1.14% | 2,925 |
| Q3 2024 | $32.8M | $29.2M | $20.4M | $3.3M | $37K | 0.15% | 4.06% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,936 |
| Q2 2024 | $32.6M | $29.0M | $20.1M | $3.3M | $31K | 0.19% | 4.12% | 0.90% | 2,972 |
Loan mix (Q2 2026): real estate $7.8M · commercial $828K · consumer $10.0M · securities $9.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.8% | 80.6% | 89th |
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: Cobb, GA, ranked 36th with 0.0% of deposits.
Georgia: 249th with 0.00% · Florida: 308th with 0.00% · Lakeland-Winter Haven metro: 27th, 0.07% · Atlanta-Sandy Springs-Roswell metro: 117th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2