| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.1 pts |
| Share growth (YoY) | +6.5% | +0.9% | +5.5 pts |
| Loan growth (YoY) | -5.6% | -2.6% | -3.0 pts |
| ROA | 1.60% | 0.65% | +1.0 pts |
| ROE | 11.8% | 4.4% | +7.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.9M | $37.1M | $19.9M | $5.8M | $343K | 1.60% | 3.35% | 2.17% | 2,893 |
| Q1 2026 | $42.0M | $36.3M | $20.4M | $5.6M | $161K | 1.53% | 3.34% | 2.02% | 2,893 |
| Q4 2025 | $40.8M | $35.3M | $20.5M | $5.5M | $649K | 1.59% | 3.54% | 1.99% | 2,892 |
| Q3 2025 | $41.0M | $35.6M | $20.6M | $5.3M | $463K | 1.51% | 3.51% | 1.98% | 2,911 |
| Q2 2025 | $40.0M | $34.8M | $21.1M | $5.1M | $298K | 1.49% | 3.53% | 0.85% | 2,922 |
| Q1 2025 | $40.4M | $35.4M | $21.4M | $4.9M | $112K | 1.11% | 3.41% | 0.64% | 2,917 |
| Q4 2024 | $38.5M | $33.6M | $20.9M | $4.8M | $604K | 1.57% | 3.51% | 0.69% | 2,900 |
| Q3 2024 | $38.4M | $33.7M | $20.4M | $4.7M | $468K | 1.62% | 3.50% | 0.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,941 |
| Q2 2024 | $37.5M | $32.9M | $20.4M | $4.5M | $330K | 1.76% | 3.55% | 0.81% | 2,929 |
Loan mix (Q2 2026): real estate $972K · commercial $128K · consumer $18.0M · securities $17.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 80.6% | 9th |
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: Houston, GA, ranked 13th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Houston, GA | 1 | $37.1M* | 0.89% | 13th |
Georgia: 226th with 0.01% · Warner Robins metro: 13th, 0.79% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1