| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.1% | -2.4 pts |
| Share growth (YoY) | +0.7% | +3.5% | -2.9 pts |
| Loan growth (YoY) | -1.6% | +2.9% | -4.5 pts |
| ROA | 1.59% | 0.74% | +0.9 pts |
| ROE | 8.5% | 6.5% | +2.0 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.9M | $155.4M | $109.6M | $35.8M | $1.5M | 1.59% | 4.94% | 0.95% | 18,425 |
| Q1 2026 | $193.6M | $157.6M | $109.7M | $34.9M | $610K | 1.26% | 4.84% | 0.96% | 18,296 |
| Q4 2025 | $188.2M | $153.3M | $110.0M | $34.3M | $3.3M | 1.77% | 5.04% | 0.96% | 18,224 |
| Q3 2025 | $187.3M | $153.4M | $111.1M | $33.7M | $2.6M | 1.83% | 5.04% | 0.90% | 17,191 |
| Q2 2025 | $188.7M | $154.3M | $111.4M | $33.0M | $1.9M | 1.99% | 4.94% | 1.09% | 16,984 |
| Q1 2025 | $188.0M | $156.4M | $112.4M | $32.0M | $891K | 1.90% | 4.81% | 0.57% | 16,612 |
| Q4 2024 | $180.4M | $149.7M | $113.0M | $31.1M | $3.3M | 1.84% | 4.81% | 0.70% | 16,667 |
| Q3 2024 | $179.6M | $150.8M | $112.8M | $30.3M | $2.5M | 1.82% | 4.76% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.74% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 6.5% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 16,711 |
| Q2 2024 | $175.2M | $145.9M | $112.0M | $29.5M | $1.6M | 1.86% | 4.81% | 0.65% | 16,584 |
Loan mix (Q2 2026): real estate $21.3M · commercial $0 · consumer $71.5M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 77.5% | 34th |
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.
6 branches in 3 counties across 2 states (+0 vs 2025). Biggest market: Georgetown, SC, ranked 9th with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Georgetown, SC | 4 | $103.6M* | 4.34% | 9th |
| Williamsburg, SC | 1 | $25.9M* | 5.59% | 5th |
| Oakland, MI | 1 | $25.9M* | 0.03% | 58th |
South Carolina: 87th with 0.08% · Michigan: 255th with 0.01% · Detroit-Warren-Dearborn metro: 89th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 6 · 2026 6