| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.1 pts |
| Loan growth (YoY) | -17.9% | -2.4% | -15.6 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.2M | $4.3M | $3.0M | $915K | $317 | 0.02% | 5.94% | 1.95% | 730 |
| Q4 2025 | $5.3M | $4.4M | $3.2M | $915K | $34K | 0.64% | 6.38% | 3.36% | 729 |
| Q3 2025 | $5.4M | $4.5M | $3.3M | $944K | $63K | 1.55% | 6.20% | 2.07% | 730 |
| Q2 2025 | $5.5M | $4.6M | $3.3M | $908K | $27K | 0.99% | 6.01% | 2.18% | 731 |
| Q1 2025 | $5.3M | $4.4M | $3.7M | $901K | $20K | 1.52% | 6.29% | 1.99% | 741 |
| Q4 2024 | $5.2M | $4.3M | $3.9M | $881K | $112K | 2.17% | 7.11% | 2.08% | 738 |
| Q3 2024 | $5.2M | $4.4M | $4.0M | $869K | $100K | 2.54% | 7.02% | 3.84% | 750 |
| Q2 2024 | $5.3M | $4.5M | $4.0M | $839K | $69K | 2.61% | 6.86% | 5.12% | 759 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 81.5% | 16th |
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 2024). Biggest market: Garland, AR, ranked 17th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Garland, AR | 2 | $4.6M* | 0.14% | 17th |
Arkansas: 161st with 0.00% · Hot Springs metro: 17th, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2