| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -7.7% | +0.7% | -8.4 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | 0.07% | 0.60% | -0.5 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.9M | $5.0M | $2.5M | $1.8M | $1K | 0.07% | 4.46% | 0.34% | 1,046 |
| Q4 2025 | $6.9M | $5.0M | $2.6M | $1.8M | $33K | 0.47% | 4.70% | 0.10% | 1,044 |
| Q3 2025 | $6.9M | $5.1M | $2.7M | $1.8M | $24K | 0.47% | 4.64% | 0.00% | 1,042 |
| Q2 2025 | $7.1M | $5.1M | $2.7M | $1.8M | $11K | 0.31% | 4.47% | 0.00% | 1,043 |
| Q1 2025 | $7.3M | $5.4M | $2.5M | $1.8M | $2K | 0.09% | 4.25% | 0.00% | 1,050 |
| Q4 2024 | $7.4M | $5.5M | $2.6M | $1.8M | $19K | 0.26% | 4.15% | 0.00% | 1,046 |
| Q3 2024 | $7.4M | $5.6M | $2.5M | $1.8M | $12K | 0.22% | 4.12% | 0.29% | 1,044 |
| Q2 2024 | $7.5M | $5.7M | $2.4M | $1.8M | $6K | 0.17% | 3.99% | 0.00% | 1,041 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.5% | 81.5% | 83rd |
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: Hillsborough, FL, ranked 61st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hillsborough, FL | 1 | $5.1M* | 0.01% | 61st |
Florida: 306th with 0.00% · Tampa-St. Petersburg-Clearwater metro: 75th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1