| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.3 pts |
| ROA | -0.99% | 0.65% | -1.6 pts |
| ROE | -16.8% | 4.4% | -21.1 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.2M | $41.5M | $18.2M | $2.6M | $-220K | -0.99% | 3.39% | 2.74% | 4,688 |
| Q1 2026 | $44.1M | $41.3M | $18.4M | $2.7M | $-145K | -1.32% | 3.47% | 2.75% | 4,792 |
| Q4 2025 | $42.9M | $40.1M | $18.9M | $2.8M | $-604K | -1.41% | 3.46% | 2.54% | 4,991 |
| Q3 2025 | $43.0M | $40.0M | $18.6M | $3.1M | $-375K | -1.16% | 3.44% | 1.78% | 6,872 |
| Q2 2025 | $44.2M | $41.1M | $18.7M | $3.2M | $-208K | -0.94% | 3.40% | 1.04% | 5,482 |
| Q1 2025 | $44.0M | $40.9M | $19.8M | $3.3M | $-137K | -1.25% | 3.62% | 2.33% | 5,507 |
| Q4 2024 | $42.8M | $39.7M | $20.1M | $3.4M | $-911K | -2.13% | 3.16% | 1.41% | 5,544 |
| Q3 2024 | $46.4M | $42.6M | $20.0M | $3.6M | $-838K | -2.41% | 2.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.99% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -16.8% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 5,855 |
| Q2 2024 | $46.7M | $43.2M | $20.6M | $3.8M | $-676K | -2.90% | 2.47% | 2.30% | 8,228 |
Loan mix (Q2 2026): real estate $6.7M · commercial $1.1M · consumer $8.4M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.7% | 80.6% | 93rd |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Mobile, AL, ranked 35th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mobile, AL | 3 | $41.5M* | 0.33% | 35th |
Alabama: 177th with 0.02% · Mobile metro: 35th, 0.33% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 3 · 2024 3 · 2025 3 · 2026 3