| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.1% | +7.3 pts |
| Share growth (YoY) | +11.2% | +3.5% | +7.6 pts |
| Loan growth (YoY) | +10.9% | +2.9% | +8.1 pts |
| ROA | 1.08% | 0.74% | +0.3 pts |
| ROE | 12.5% | 6.5% | +6.1 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.7M | $93.2M | $60.2M | $9.0M | $562K | 1.08% | 4.73% | 1.53% | 9,735 |
| Q1 2026 | $102.3M | $91.9M | $58.3M | $8.7M | $313K | 1.22% | 4.75% | 1.48% | 9,631 |
| Q4 2025 | $94.5M | $85.3M | $57.0M | $8.4M | $816K | 0.86% | 4.98% | 1.41% | 9,539 |
| Q3 2025 | $94.8M | $85.8M | $54.3M | $8.3M | $574K | 0.81% | 4.89% | 0.92% | 9,521 |
| Q2 2025 | $93.1M | $83.9M | $54.2M | $7.9M | $149K | 0.32% | 4.87% | 0.69% | 9,472 |
| Q1 2025 | $95.8M | $86.8M | $53.6M | $7.5M | $-237K | -0.99% | 4.59% | 0.77% | 9,393 |
| Q4 2024 | $91.0M | $82.5M | $52.9M | $7.7M | $809K | 0.89% | 4.40% | 1.79% | 9,334 |
| Q3 2024 | $91.8M | $82.9M | $51.3M | $7.7M | $680K | 0.99% | 4.26% | 1.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.74% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 6.5% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 9,202 |
| Q2 2024 | $88.7M | $80.6M | $49.3M | $7.5M | $426K | 0.96% | 4.29% | 0.93% | 9,119 |
Loan mix (Q2 2026): real estate $6.4M · commercial $0 · consumer $49.8M · securities $28.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 77.5% | 25th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Lee, AL, ranked 15th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lee, AL | 2 | $93.2M* | 1.86% | 15th |
Alabama: 151st with 0.05% · Auburn-Opelika metro: 15th, 1.81% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2