| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.4 pts |
| Loan growth (YoY) | +6.4% | -2.6% | +9.0 pts |
| ROA | 0.57% | 0.65% | -0.1 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.0M | $17.1M | $14.7M | $4.4M | $65K | 0.57% | 4.09% | 2.54% | 1,015 |
| Q1 2026 | $22.4M | $17.4M | $14.3M | $4.3M | $-2K | -0.03% | 3.96% | 3.30% | 1,024 |
| Q4 2025 | $21.5M | $16.2M | $14.1M | $4.3M | $317K | 1.47% | 4.20% | 2.31% | 1,023 |
| Q3 2025 | $22.2M | $17.4M | $13.9M | $4.3M | $250K | 1.50% | 3.99% | 1.57% | 1,021 |
| Q2 2025 | $22.4M | $17.9M | $13.8M | $4.2M | $210K | 1.87% | 3.83% | 1.23% | 1,021 |
| Q1 2025 | $22.0M | $17.7M | $13.5M | $4.1M | $40K | 0.73% | 3.69% | 1.47% | 1,020 |
| Q4 2024 | $20.5M | $16.1M | $13.7M | $4.0M | $84K | 0.41% | 3.70% | 2.40% | 1,025 |
| Q3 2024 | $22.3M | $18.0M | $13.7M | $4.0M | $63K | 0.38% | 3.37% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,022 |
| Q2 2024 | $22.7M | $18.0M | $14.0M | $4.0M | $24K | 0.21% | 3.27% | 2.64% | 1,035 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $11.4M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 80.6% | 60th |
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: Glynn, GA, ranked 17th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Glynn, GA | 1 | $17.1M* | 0.49% | 17th |
Georgia: 245th with 0.00% · Brunswick-St. Simons metro: 17th, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1