| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.6 pts |
| Share growth (YoY) | -2.6% | +0.9% | -3.5 pts |
| Loan growth (YoY) | -6.7% | -2.6% | -4.1 pts |
| ROA | 0.62% | 0.65% | -0.0 pts |
| ROE | 2.6% | 4.4% | -1.8 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.5M | $6.4M | $3.6M | $2.0M | $26K | 0.62% | 3.79% | 0.00% | 774 |
| Q1 2026 | $8.5M | $6.5M | $3.6M | $2.0M | $5K | 0.22% | 3.55% | 0.43% | 777 |
| Q4 2025 | $8.7M | $6.7M | $3.8M | $2.0M | $68K | 0.78% | 3.81% | 0.66% | 772 |
| Q3 2025 | $8.7M | $6.7M | $3.8M | $2.0M | $57K | 0.88% | 3.87% | 0.00% | 774 |
| Q2 2025 | $8.6M | $6.6M | $3.9M | $2.0M | $38K | 0.87% | 3.87% | 0.00% | 777 |
| Q1 2025 | $8.6M | $6.6M | $3.8M | $2.0M | $17K | 0.79% | 3.67% | 0.05% | 784 |
| Q4 2024 | $8.8M | $6.9M | $4.0M | $1.9M | $53K | 0.60% | 3.37% | 0.77% | 807 |
| Q3 2024 | $9.2M | $7.2M | $4.1M | $1.9M | $33K | 0.48% | 3.20% | 0.19% | 829 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $8.8M |
| $6.9M |
| $4.0M |
| $1.9M |
| $12K |
| 0.27% |
| 3.19% |
| 0.34% |
| 831 |
Loan mix (Q2 2026): real estate $32K · commercial $0 · consumer $2.7M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 80.6% | 59th |
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: Raleigh, WV, ranked 17th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Raleigh, WV | 1 | $6.4M* | 0.35% | 17th |
West Virginia: 131st with 0.01% · Beckley metro: 20th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1