| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.1% | -3.6 pts |
| Share growth (YoY) | +0.5% | +3.5% | -3.0 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.9 pts |
| ROA | 0.66% | 0.74% | -0.1 pts |
| ROE | 4.9% | 6.5% | -1.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $136.3M | $117.8M | $89.6M | $18.4M | $448K | 0.66% | 3.87% | 1.94% | 10,298 |
| Q1 2026 | $133.7M | $115.4M | $84.3M | $18.1M | $135K | 0.40% | 3.82% | 2.03% | 10,400 |
| Q4 2025 | $131.7M | $113.7M | $84.5M | $18.1M | $249K | 0.19% | 3.82% | 2.31% | 10,546 |
| Q3 2025 | $133.6M | $115.3M | $84.9M | $18.0M | $201K | 0.20% | 3.72% | 2.21% | 10,646 |
| Q2 2025 | $135.6M | $117.2M | $84.7M | $17.9M | $85K | 0.13% | 3.62% | 1.84% | 10,763 |
| Q1 2025 | $135.2M | $117.2M | $83.5M | $17.9M | $32K | 0.09% | 3.56% | 1.44% | 10,839 |
| Q4 2024 | $129.8M | $111.9M | $85.1M | $18.0M | $189K | 0.15% | 3.68% | 2.42% | 11,753 |
| Q3 2024 | $131.1M | $113.3M | $85.1M | $17.9M | $129K | 0.13% | 3.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.74% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 6.5% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.77% |
| 11,803 |
| Q2 2024 | $132.5M | $114.7M | $86.5M | $17.8M | $-34K | -0.05% | 3.53% | 1.55% | 11,829 |
Loan mix (Q2 2026): real estate $43.2M · commercial $5.3M · consumer $40.0M · securities $26.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 77.5% | 66th |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Fulton, GA, ranked 42nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fulton, GA | 3 | $88.3M* | 0.06% | 42nd |
| Allen, IN | 1 | $29.4M* | 0.23% | 33rd |
Georgia: 198th with 0.02% · Indiana: 215th with 0.01% · Atlanta-Sandy Springs-Roswell metro: 88th, 0.03% · Fort Wayne metro: 36th, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4