| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +1.3% | -6.2 pts |
| Share growth (YoY) | -5.9% | +0.9% | -6.8 pts |
| Loan growth (YoY) | +5.1% | -2.6% | +7.8 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 0.9% | 4.4% | -3.5 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.7M | $16.3M | $9.6M | $3.3M | $15K | 0.15% | 4.35% | 1.67% | 1,674 |
| Q1 2026 | $19.4M | $16.1M | $9.5M | $3.3M | $5K | 0.11% | 4.34% | 1.43% | 1,726 |
| Q4 2025 | $19.4M | $15.9M | $9.6M | $3.3M | $23K | 0.12% | 4.15% | 2.60% | 1,737 |
| Q3 2025 | $19.8M | $16.4M | $9.3M | $3.3M | $35K | 0.23% | 3.99% | 2.01% | 1,741 |
| Q2 2025 | $20.7M | $17.3M | $9.2M | $3.2M | $18K | 0.18% | 3.67% | 2.46% | 1,761 |
| Q1 2025 | $19.3M | $15.9M | $9.4M | $3.2M | $5K | 0.11% | 3.86% | 1.40% | 1,771 |
| Q4 2024 | $18.8M | $15.4M | $9.5M | $3.2M | $20K | 0.11% | 3.62% | 2.06% | 1,774 |
| Q3 2024 | $18.8M | $15.4M | $9.5M | $3.2M | $17K | 0.12% | 3.47% | 1.31% | 1,769 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $18.4M | $15.0M | $9.4M | $3.2M | $7K | 0.08% | 3.44% | 1.47% | 1,767 |
Loan mix (Q2 2026): real estate $1.6M · commercial $0 · consumer $8.0M · securities $8.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 80.6% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Jefferson, AL, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AL | 1 | $16.3M* | 0.03% | 55th |
Alabama: 207th with 0.01% · Birmingham metro: 80th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1