| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | -5.3% | -2.6% | -2.6 pts |
| ROA | -0.49% | 0.65% | -1.1 pts |
| ROE | -3.9% | 4.4% | -8.3 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.3M | $12.4M | $9.6M | $1.8M | $-35K | -0.49% | 3.71% | 1.28% | 3,868 |
| Q1 2026 | $14.3M | $12.3M | $9.1M | $1.8M | $2K | 0.06% | 3.66% | 1.16% | 3,833 |
| Q4 2025 | $14.3M | $12.4M | $9.4M | $1.8M | $-114K | -0.80% | 3.77% | 2.29% | 3,829 |
| Q3 2025 | $14.2M | $12.2M | $9.8M | $1.9M | $4K | 0.03% | 3.79% | 1.80% | 3,996 |
| Q2 2025 | $14.4M | $12.3M | $10.1M | $1.9M | $3K | 0.04% | 3.71% | 2.42% | 3,974 |
| Q1 2025 | $14.6M | $12.5M | $10.2M | $2.0M | $367 | 0.01% | 3.51% | 2.70% | 3,963 |
| Q4 2024 | $13.9M | $11.8M | $9.6M | $2.0M | $71K | 0.51% | 3.77% | 4.46% | 3,935 |
| Q3 2024 | $14.1M | $12.0M | $9.8M | $2.0M | $68K | 0.65% | 3.80% | 2.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.49% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -3.9% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,056 |
| Q2 2024 | $14.3M | $12.2M | $9.9M | $2.0M | $50K | 0.70% | 3.70% | 2.01% | 4,002 |
Loan mix (Q2 2026): real estate $7.3M · commercial $0 · consumer $2.3M · securities $121K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 80.6% | 69th |
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: Lenoir, NC, ranked 10th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lenoir, NC | 1 | $12.4M* | 0.92% | 10th |
North Carolina: 157th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1