| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.4% | +1.3% | +16.1 pts |
| Share growth (YoY) | +25.7% | +0.9% | +24.8 pts |
| Loan growth (YoY) | +40.8% | -2.6% | +43.4 pts |
| ROA | 1.98% | 0.65% | +1.3 pts |
| ROE | 8.6% | 4.4% | +4.2 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.2M | $1.6M | $564K | $504K | $22K | 1.98% | 3.44% | 0.08% | 917 |
| Q1 2026 | $2.2M | $1.5M | $500K | $493K | $11K | 2.00% | 3.39% | 0.31% | 912 |
| Q4 2025 | $1.8M | $1.3M | $441K | $482K | $32K | 1.81% | 4.27% | 0.00% | 907 |
| Q3 2025 | $1.8M | $1.3M | $369K | $479K | $29K | 2.07% | 4.28% | 6.08% | 886 |
| Q2 2025 | $1.9M | $1.3M | $400K | $467K | $17K | 1.79% | 4.20% | 0.63% | 886 |
| Q1 2025 | $1.9M | $1.2M | $368K | $457K | $7K | 1.41% | 4.33% | 0.17% | 879 |
| Q4 2024 | $1.7M | $1.3M | $396K | $450K | $58K | 3.36% | 4.72% | 0.87% | 870 |
| Q3 2024 | $1.8M | $1.3M | $352K | $437K | $45K | 3.30% | 4.62% | 1.59% | 857 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.6M |
| $1.1M |
| $347K |
| $425K |
| $33K |
| 4.07% |
| 5.24% |
| 1.82% |
| 856 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $422K · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 80.6% | 58th |
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: Greene, AL, ranked 3rd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greene, AL | 1 | $795K* | 0.70% | 3rd |
| Fairfax (City), VA | 1 | $795K* | 0.01% | 40th |
Virginia: 243rd with 0.00% · Alabama: 251st with 0.00% · Washington-Arlington-Alexandria metro: 174th, 0.00% · Tuscaloosa metro: 41st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2