| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.1 pts |
| Loan growth (YoY) | -12.2% | -2.4% | -9.9 pts |
| ROA | 1.52% | 0.60% | +0.9 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.6M | $852K | $494K | $8K | 1.52% | 2.95% | 0.02% | 305 |
| Q4 2025 | $2.0M | $1.6M | $912K | $486K | $12K | 0.58% | 2.77% | 0.02% | 313 |
| Q3 2025 | $2.1M | $1.6M | $948K | $490K | $16K | 1.04% | 2.93% | 0.03% | 313 |
| Q2 2025 | $2.0M | $1.5M | $891K | $488K | $13K | 1.32% | 3.29% | 0.03% | 310 |
| Q1 2025 | $2.0M | $1.5M | $971K | $484K | $9K | 1.89% | 3.48% | 0.03% | 325 |
| Q4 2024 | $2.0M | $1.5M | $1.0M | $474K | $7K | 0.35% | 2.68% | 0.04% | 327 |
| Q3 2024 | $2.0M | $1.5M | $988K | $485K | $17K | 1.15% | 3.06% | 0.00% | 327 |
| Q2 2024 | $1.9M | $1.5M | $1.0M | $479K | $12K | 1.24% | 3.17% | 0.00% | 324 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $852K · securities $583K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 81.5% | 4th |
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: Giles, VA, ranked 5th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Giles, VA | 1 | $1.5M* | 0.42% | 5th |
Virginia: 222nd with 0.00% · Blacksburg-Christiansburg-Radford metro: 19th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1