| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -0.3% | +0.9% | -1.2 pts |
| Loan growth (YoY) | -4.6% | -2.6% | -1.9 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 6.9% | 4.4% | +2.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.7M | $35.0M | $21.8M | $3.6M | $124K | 0.64% | 4.04% | 2.09% | 2,763 |
| Q1 2026 | $39.3M | $35.7M | $23.2M | $3.5M | $34K | 0.34% | 3.68% | 1.59% | 2,724 |
| Q4 2025 | $38.8M | $35.2M | $22.6M | $3.5M | $254K | 0.66% | 4.26% | 3.48% | 2,739 |
| Q3 2025 | $38.6M | $35.2M | $23.2M | $3.3M | $87K | 0.30% | 4.10% | 4.56% | 2,780 |
| Q2 2025 | $38.5M | $35.1M | $22.9M | $3.2M | $-7K | -0.04% | 3.97% | 2.36% | 2,807 |
| Q1 2025 | $41.1M | $37.8M | $23.9M | $3.2M | $-23K | -0.23% | 3.63% | 3.01% | 2,860 |
| Q4 2024 | $39.6M | $36.3M | $24.3M | $3.2M | $212K | 0.53% | 4.43% | 1.16% | 2,856 |
| Q3 2024 | $39.7M | $36.3M | $25.2M | $3.2M | $184K | 0.62% | 4.49% | 0.78% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,922 |
| Q2 2024 | $39.9M | $36.4M | $25.1M | $3.1M | $109K | 0.55% | 4.36% | 1.04% | 2,942 |
Loan mix (Q2 2026): real estate $13.5M · commercial $575K · consumer $7.3M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 80.6% | 41st |
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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Wayne, NC, ranked 17th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wayne, NC | 1 | $11.7M* | 0.40% | 17th |
| Carroll, VA | 1 | $11.7M* | 2.64% | 5th |
Virginia: 185th with 0.01% · North Carolina: 158th with 0.00% · Goldsboro metro: 17th, 0.40% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3