| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.1% | +1.0 pts |
| Share growth (YoY) | +4.7% | +3.5% | +1.2 pts |
| Loan growth (YoY) | +15.8% | +2.9% | +12.9 pts |
| ROA | 0.70% | 0.74% | -0.0 pts |
| ROE | 5.9% | 6.5% | -0.6 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $152.6M | $134.1M | $113.3M | $18.0M | $531K | 0.70% | 4.54% | 0.46% | 11,541 |
| Q1 2026 | $153.4M | $135.1M | $110.2M | $17.8M | $246K | 0.64% | 4.38% | 0.51% | 11,466 |
| Q4 2025 | $147.2M | $129.1M | $104.8M | $17.5M | $717K | 0.49% | 4.30% | 0.62% | 11,330 |
| Q3 2025 | $145.5M | $127.8M | $103.3M | $17.3M | $508K | 0.47% | 4.21% | 0.65% | 11,284 |
| Q2 2025 | $145.2M | $128.0M | $97.8M | $17.1M | $301K | 0.41% | 4.15% | 0.57% | 11,202 |
| Q1 2025 | $147.8M | $131.8M | $95.9M | $16.9M | $54K | 0.15% | 3.96% | 0.94% | 11,131 |
| Q4 2024 | $141.7M | $126.3M | $95.8M | $16.8M | $844K | 0.60% | 4.07% | 0.91% | 11,069 |
| Q3 2024 | $146.4M | $130.0M | $96.0M | $16.9M | $923K | 0.84% | 3.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.74% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.5% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 11,173 |
| Q2 2024 | $145.2M | $130.4M | $96.3M | $16.7M | $671K | 0.92% | 3.90% | 0.92% | 11,177 |
Loan mix (Q2 2026): real estate $38.0M · commercial $15.1M · consumer $56.3M · securities $24.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 77.5% | 72nd |
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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: DeKalb, GA, ranked 30th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| DeKalb, GA | 2 | $67.0M* | 0.34% | 30th |
| Paulding, GA | 2 | $67.0M* | 2.84% | 11th |
Georgia: 172nd with 0.03% · Atlanta-Sandy Springs-Roswell metro: 80th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 4 · 2026 4