| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +1.3% | -10.3 pts |
| Share growth (YoY) | -13.1% | +0.7% | -13.8 pts |
| Loan growth (YoY) | +2.2% | -2.3% | +4.5 pts |
| ROA | -0.02% | 0.65% | -0.7 pts |
| ROE | -0.0% | 4.4% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.6M | $10.2M | $8.8M | $5.4M | $-1K | -0.02% | 4.18% | 5.89% | 1,430 |
| Q1 2026 | $16.0M | $10.5M | $8.8M | $5.4M | $5K | 0.12% | 4.07% | 3.55% | 1,420 |
| Q4 2025 | $16.4M | $11.1M | $9.0M | $5.4M | $27K | 0.17% | 4.36% | 3.01% | 1,459 |
| Q3 2025 | $16.6M | $11.1M | $8.9M | $5.4M | $5K | 0.04% | 4.36% | 4.49% | 1,459 |
| Q2 2025 | $17.2M | $11.8M | $8.8M | $5.4M | $3K | 0.03% | 4.17% | 2.95% | 1,476 |
| Q1 2025 | $17.5M | $12.1M | $8.6M | $5.4M | $3K | 0.06% | 4.03% | 2.05% | 1,512 |
| Q4 2024 | $17.2M | $11.8M | $8.7M | $5.4M | $37K | 0.21% | 4.36% | 1.96% | 1,531 |
| Q3 2024 | $17.5M | $12.1M | $9.1M | $5.4M | $36K | 0.28% | 4.24% | 2.80% | 1,590 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | -0.0% | 4.1% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $17.4M | $12.0M | $9.2M | $5.4M | $26K | 0.30% | 4.09% | 2.28% | 1,606 |
Loan mix (Q2 2026): real estate $4.1M · commercial $0 · consumer $4.6M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.6% | 81.5% | 82nd |
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 2 states (+1 vs 2025). Biggest market: Guilford, NC, ranked 39th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Guilford, NC | 3 | $11.8M* | 0.07% | 39th |
North Carolina: 151st with 0.00% · Greensboro-High Point metro: 43rd, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4