| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | -0.0% | -2.6% | +2.6 pts |
| ROA | -1.29% | 0.65% | -1.9 pts |
| ROE | -15.0% | 4.4% | -19.4 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.3M | $30.3M | $28.2M | $2.9M | $-215K | -1.29% | 4.25% | 5.79% | 2,169 |
| Q1 2026 | $33.7M | $30.6M | $28.1M | $2.9M | $-174K | -2.07% | 4.20% | 6.99% | 2,163 |
| Q4 2025 | $33.5M | $30.2M | $28.2M | $3.1M | $-42K | -0.12% | 4.34% | 4.87% | 2,232 |
| Q3 2025 | $33.7M | $30.5M | $28.2M | $3.0M | $-160K | -0.63% | 4.14% | 6.61% | 2,253 |
| Q2 2025 | $33.5M | $30.2M | $28.2M | $3.1M | $-83K | -0.49% | 4.09% | 3.88% | 2,256 |
| Q1 2025 | $36.6M | $33.3M | $28.0M | $3.1M | $-61K | -0.67% | 3.56% | 3.03% | 2,269 |
| Q4 2024 | $36.9M | $33.5M | $28.0M | $3.2M | $18K | 0.05% | 3.74% | 4.85% | 2,291 |
| Q3 2024 | $37.6M | $34.2M | $28.0M | $3.3M | $17K | 0.06% | 3.67% | 2.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.29% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -15.0% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,299 |
| Q2 2024 | $35.9M | $32.4M | $27.4M | $3.3M | $48K | 0.27% | 3.85% | 2.41% | 2,312 |
Loan mix (Q2 2026): real estate $20.0M · commercial $0 · consumer $7.2M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.9% | 80.6% | 87th |
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: Wayne, NC, ranked 12th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, NC | 1 | $30.3M* | 1.05% | 12th |
North Carolina: 136th with 0.00% · Goldsboro metro: 12th, 1.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1