| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +3.3% | +0.9% | +2.3 pts |
| Loan growth (YoY) | +3.9% | -2.6% | +6.6 pts |
| ROA | 0.22% | 0.65% | -0.4 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.4M | $20.0M | $6.3M | $2.4M | $25K | 0.22% | 3.34% | 0.00% | 1,150 |
| Q1 2026 | $22.3M | $19.9M | $5.4M | $2.3M | $36K | 0.64% | 3.26% | 0.00% | 1,142 |
| Q4 2025 | $21.8M | $19.5M | $5.7M | $2.3M | $147K | 0.67% | 3.29% | 0.03% | 1,144 |
| Q3 2025 | $21.8M | $19.5M | $6.0M | $2.3M | $120K | 0.73% | 3.23% | 0.08% | 1,162 |
| Q2 2025 | $21.7M | $19.3M | $6.1M | $2.2M | $82K | 0.76% | 3.15% | 0.13% | 1,167 |
| Q1 2025 | $22.4M | $20.1M | $5.9M | $2.2M | $39K | 0.70% | 2.92% | 0.00% | 1,165 |
| Q4 2024 | $20.9M | $18.6M | $6.1M | $2.2M | $76K | 0.37% | 2.92% | 0.00% | 1,171 |
| Q3 2024 | $20.9M | $18.7M | $6.0M | $2.2M | $63K | 0.40% | 2.89% | 0.25% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,956 |
| Q2 2024 | $21.2M | $18.5M | $6.3M | $2.1M | $35K | 0.33% | 2.76% | 0.47% | 1,953 |
Loan mix (Q2 2026): real estate $1.0M · commercial $0 · consumer $4.6M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.4% | 80.6% | 57th |
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 3 counties across 3 states (+3 vs 2025). Biggest market: Douglas, GA, ranked 17th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, GA | 2 | $10.0M* | 0.31% | 17th |
| Duval, FL | 1 | $5.0M* | 0.00% | 45th |
| Dallas, TX | 1 | $5.0M* | 0.00% | 146th |
Georgia: 255th with 0.00% · Texas: 848th with 0.00% · Florida: 324th with 0.00% · Atlanta-Sandy Springs-Roswell metro: 120th, 0.00% · Dallas-Fort Worth-Arlington metro: 276th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 4