| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.3 pts |
| ROA | 0.15% | 0.60% | -0.5 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8M | $1.1M | $1.2M | $652K | $674 | 0.15% | 7.07% | 0.11% | 367 |
| Q4 2025 | $1.7M | $972K | $1.3M | $644K | $-1K | -0.08% | 7.25% | 0.17% | 368 |
| Q3 2025 | $1.7M | $1.1M | $1.3M | $640K | $-5K | -0.41% | 7.07% | 0.40% | 373 |
| Q2 2025 | $1.7M | $1.0M | $1.2M | $630K | $-16K | -1.88% | 7.36% | 0.28% | 383 |
| Q1 2025 | $1.7M | $1.1M | $1.2M | $635K | $-10K | -2.42% | 7.33% | 0.37% | 382 |
| Q4 2024 | $1.7M | $1.0M | $1.3M | $646K | $5K | 0.33% | 7.34% | 0.00% | 380 |
| Q3 2024 | $1.7M | $1.1M | $1.2M | $532K | $71K | 5.59% | 13.32% | 0.00% | 362 |
| Q2 2024 | $1.6M | $1.0M | $1.1M | $619K | $-24K | -2.91% | 7.35% | 1.06% | 377 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $437
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 144.6% | 81.5% | 97th |
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 2024). Biggest market: Macon, GA, ranked 3rd with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Macon, GA | 1 | $1.0M* | 0.89% | 3rd |
Georgia: 269th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1