| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.1% | +2.1 pts |
| Share growth (YoY) | +5.5% | +3.5% | +2.0 pts |
| Loan growth (YoY) | +7.2% | +2.9% | +4.3 pts |
| ROA | 0.79% | 0.74% | +0.1 pts |
| ROE | 6.5% | 6.5% | +0.1 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $144.2M | $127.4M | $73.9M | $17.4M | $568K | 0.79% | 3.31% | 0.25% | 11,352 |
| Q1 2026 | $141.4M | $125.1M | $73.8M | $17.1M | $265K | 0.75% | 3.32% | 0.38% | 11,273 |
| Q4 2025 | $138.2M | $121.9M | $73.6M | $16.8M | $928K | 0.67% | 3.22% | 0.32% | 11,179 |
| Q3 2025 | $137.9M | $121.8M | $71.7M | $16.5M | $599K | 0.58% | 3.17% | 0.46% | 11,139 |
| Q2 2025 | $135.8M | $120.7M | $68.9M | $16.3M | $396K | 0.58% | 3.13% | 0.23% | 11,015 |
| Q1 2025 | $137.4M | $122.4M | $68.5M | $16.0M | $154K | 0.45% | 2.99% | 0.18% | 10,897 |
| Q4 2024 | $132.2M | $118.2M | $66.2M | $15.9M | $842K | 0.64% | 3.03% | 0.20% | 10,809 |
| Q3 2024 | $131.8M | $116.9M | $66.1M | $15.6M | $586K | 0.59% | 3.01% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.74% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 6.5% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 10,805 |
| Q2 2024 | $130.7M | $117.1M | $65.5M | $15.4M | $417K | 0.64% | 3.00% | 0.18% | 10,679 |
Loan mix (Q2 2026): real estate $16.9M · commercial $0 · consumer $54.5M · securities $54.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 77.5% | 57th |
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.
6 branches in 3 counties across 2 states (+0 vs 2025). Biggest market: Hillsborough, FL, ranked 53rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hillsborough, FL | 4 | $84.9M* | 0.14% | 53rd |
| Pasco, FL | 1 | $21.2M* | 0.16% | 29th |
| Maricopa, AZ | 1 | $21.2M* | 0.01% | 86th |
Florida: 234th with 0.01% · Arizona: 104th with 0.01% · Tampa-St. Petersburg-Clearwater metro: 58th, 0.07% · Phoenix-Mesa-Chandler metro: 89th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6