| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -4.8% | +0.9% | -5.7 pts |
| Loan growth (YoY) | +2.8% | -2.6% | +5.5 pts |
| ROA | 1.08% | 0.65% | +0.4 pts |
| ROE | 4.9% | 4.4% | +0.6 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.5M | $19.9M | $17.6M | $5.6M | $137K | 1.08% | 4.39% | 0.03% | 2,724 |
| Q1 2026 | $26.2M | $20.6M | $17.7M | $5.5M | $70K | 1.07% | 4.23% | 0.22% | 2,736 |
| Q4 2025 | $25.6M | $20.2M | $17.5M | $5.4M | $186K | 0.72% | 4.45% | 0.99% | 2,739 |
| Q3 2025 | $25.9M | $20.4M | $18.1M | $5.4M | $167K | 0.86% | 4.38% | 0.94% | 2,754 |
| Q2 2025 | $26.3M | $20.9M | $17.1M | $5.3M | $97K | 0.74% | 4.27% | 1.05% | 2,766 |
| Q1 2025 | $27.1M | $21.6M | $17.4M | $5.3M | $99K | 1.46% | 4.08% | 1.85% | 2,796 |
| Q4 2024 | $26.4M | $21.1M | $17.3M | $5.2M | $244K | 0.93% | 4.37% | 1.67% | 2,864 |
| Q3 2024 | $26.7M | $21.4M | $17.4M | $5.3M | $239K | 1.20% | 4.35% | 0.69% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,919 |
| Q2 2024 | $27.1M | $21.8M | $17.7M | $5.1M | $136K | 1.00% | 4.22% | 0.51% | 2,962 |
Loan mix (Q2 2026): real estate $8.5M · commercial $0 · consumer $6.4M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 80.6% | 51st |
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: Jackson, MS, ranked 17th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MS | 1 | $19.9M* | 0.54% | 17th |
Mississippi: 115th with 0.02% · Gulfport-Biloxi metro: 24th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1