| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.4% | +0.9% | -4.4 pts |
| Loan growth (YoY) | +0.1% | -2.6% | +2.7 pts |
| ROA | 0.86% | 0.65% | +0.2 pts |
| ROE | 5.7% | 4.4% | +1.3 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.9M | $19.3M | $12.9M | $3.5M | $99K | 0.86% | 4.37% | 0.69% | 2,748 |
| Q1 2026 | $22.9M | $19.4M | $12.7M | $3.5M | $66K | 1.16% | 4.39% | 0.65% | 2,758 |
| Q4 2025 | $23.1M | $19.5M | $12.7M | $3.4M | $265K | 1.15% | 4.45% | 0.98% | 2,767 |
| Q3 2025 | $22.9M | $19.4M | $12.7M | $3.3M | $228K | 1.33% | 4.52% | 0.97% | 2,792 |
| Q2 2025 | $23.4M | $20.0M | $12.8M | $3.3M | $134K | 1.14% | 4.34% | 1.43% | 2,792 |
| Q1 2025 | $24.3M | $21.0M | $13.1M | $3.2M | $86K | 1.41% | 4.19% | 0.85% | 2,792 |
| Q4 2024 | $24.6M | $21.5M | $13.7M | $3.1M | $52K | 0.21% | 3.55% | 1.07% | 2,816 |
| Q3 2024 | $24.1M | $20.9M | $13.9M | $3.1M | $23K | 0.13% | 3.45% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,854 |
| Q2 2024 | $24.1M | $20.9M | $14.0M | $3.1M | $-9K | -0.07% | 3.33% | 0.81% | 2,855 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $9.1M · securities $8.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 80.6% | 53rd |
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: Lowndes, GA, ranked 17th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lowndes, GA | 1 | $19.3M* | 0.51% | 17th |
Georgia: 244th with 0.00% · Valdosta metro: 19th, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1