| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -4.8% | +0.9% | -5.7 pts |
| Loan growth (YoY) | -11.2% | -2.6% | -8.6 pts |
| ROA | 2.06% | 0.65% | +1.4 pts |
| ROE | 11.8% | 4.4% | +7.4 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.1M | $19.8M | $6.6M | $4.2M | $248K | 2.06% | 5.33% | 1.26% | 2,976 |
| Q1 2026 | $24.4M | $20.0M | $6.5M | $4.1M | $121K | 1.98% | 5.36% | 2.37% | 2,982 |
| Q4 2025 | $23.9M | $19.9M | $6.9M | $4.0M | $840K | 3.52% | 5.75% | 2.31% | 3,012 |
| Q3 2025 | $24.3M | $20.3M | $7.2M | $3.8M | $710K | 3.90% | 5.58% | 2.55% | 2,975 |
| Q2 2025 | $24.5M | $20.8M | $7.4M | $3.7M | $555K | 4.53% | 5.41% | 1.79% | 2,936 |
| Q1 2025 | $24.0M | $20.5M | $7.3M | $3.5M | $357K | 5.95% | 5.37% | 0.90% | 2,929 |
| Q4 2024 | $22.6M | $19.5M | $7.7M | $3.1M | $487K | 2.15% | 5.08% | 1.48% | 2,897 |
| Q3 2024 | $22.7M | $19.7M | $7.5M | $3.0M | $327K | 1.92% | 4.84% | 1.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,907 |
| Q2 2024 | $21.2M | $19.6M | $7.3M | $2.8M | $172K | 1.62% | 4.99% | 0.63% | 2,888 |
Loan mix (Q2 2026): real estate $21K · commercial $0 · consumer $5.9M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 80.6% | 19th |
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: Saint Croix, VI, ranked 5th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saint Croix, VI | 1 | $19.8M* | 1.73% | 5th |
VI: 8th with 0.47% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1