| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -2.1% | +0.9% | -3.0 pts |
| Loan growth (YoY) | -5.9% | -2.6% | -3.3 pts |
| ROA | 0.99% | 0.65% | +0.3 pts |
| ROE | 4.2% | 4.4% | -0.2 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.1M | $10.0M | $4.2M | $3.1M | $65K | 0.99% | 3.62% | 0.31% | 1,406 |
| Q1 2026 | $12.9M | $9.8M | $4.3M | $3.1M | $22K | 0.67% | 3.69% | 0.39% | 1,419 |
| Q4 2025 | $12.7M | $9.6M | $4.4M | $3.0M | $131K | 1.04% | 3.42% | 0.09% | 1,430 |
| Q3 2025 | $12.8M | $9.8M | $4.7M | $3.0M | $107K | 1.11% | 3.35% | 0.07% | 1,450 |
| Q2 2025 | $13.2M | $10.2M | $4.4M | $2.9M | $74K | 1.13% | 3.25% | 0.03% | 1,449 |
| Q1 2025 | $12.9M | $10.0M | $4.4M | $2.9M | $21K | 0.64% | 3.34% | 0.12% | 1,437 |
| Q4 2024 | $13.1M | $10.2M | $4.6M | $2.9M | $115K | 0.88% | 3.14% | 0.19% | 1,440 |
| Q3 2024 | $13.2M | $10.4M | $4.6M | $2.8M | $69K | 0.70% | 2.99% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,453 |
| Q2 2024 | $13.6M | $10.8M | $4.4M | $2.8M | $37K | 0.54% | 2.70% | 0.11% | 1,460 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.2M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 80.6% | 15th |
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: Sebastian, AR, ranked 22nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sebastian, AR | 1 | $10.0M* | 0.23% | 22nd |
Arkansas: 148th with 0.01% · Fort Smith metro: 27th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1