| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | +8.2% | +0.9% | +7.3 pts |
| Loan growth (YoY) | -11.9% | -2.6% | -9.3 pts |
| ROA | -2.91% | 0.65% | -3.6 pts |
| ROE | -12.6% | 4.4% | -17.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.0M | $1.5M | $715K | $459K | $-29K | -2.91% | 4.42% | 17.09% | 289 |
| Q1 2026 | $2.1M | $1.5M | $612K | $485K | $-110K | -21.46% | 25.01% | 20.66% | 292 |
| Q4 2025 | $2.0M | $1.4M | $668K | $488K | $-107K | -5.48% | 5.46% | 16.06% | 305 |
| Q3 2025 | $2.1M | $1.4M | $761K | $595K | $44 | 0.00% | 5.43% | 34.46% | 368 |
| Q2 2025 | $2.0M | $1.4M | $812K | $593K | $-15K | -1.47% | 5.77% | 24.58% | 349 |
| Q1 2025 | $2.0M | $1.4M | $909K | $598K | $3K | 0.63% | 5.75% | 13.86% | 381 |
| Q4 2024 | $1.9M | $1.3M | $1.1M | $595K | $45K | 2.39% | 7.67% | 12.21% | 358 |
| Q3 2024 | $2.0M | $1.4M | $1.0M | $585K | $36K | 2.42% | 7.54% | 8.74% | 306 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.91% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -12.6% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.0M | $1.4M | $1.1M | $643K | $19K | 1.87% | 7.23% | 3.73% | 349 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $631K · securities $214K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 126.2% | 80.6% | 96th |
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 2025). Biggest market: Lynchburg (City), VA, ranked 21st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lynchburg (City), VA | 2 | $1.5M* | 0.05% | 21st |
Virginia: 235th with 0.00% · Lynchburg metro: 26th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2