| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.5% | +1.3% | -15.8 pts |
| Share growth (YoY) | -20.8% | +0.9% | -21.7 pts |
| Loan growth (YoY) | -29.3% | -2.6% | -26.6 pts |
| ROA | -1.39% | 0.65% | -2.0 pts |
| ROE | -4.1% | 4.4% | -8.5 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $626K | $389K | $268K | $214K | $-4K | -1.39% | 6.24% | 3.95% | 180 |
| Q1 2026 | $648K | $412K | $292K | $218K | $-565 | -0.35% | 6.65% | 0.25% | 182 |
| Q4 2025 | $708K | $464K | $329K | $219K | $1K | 0.20% | 6.44% | 0.26% | 188 |
| Q3 2025 | $751K | $505K | $346K | $218K | $-502 | -0.09% | 6.19% | 0.98% | 187 |
| Q2 2025 | $732K | $492K | $378K | $216K | $-3K | -0.72% | 6.32% | 0.00% | 186 |
| Q1 2025 | $695K | $456K | $403K | $219K | $96 | 0.06% | 7.08% | 0.00% | 189 |
| Q4 2024 | $656K | $423K | $414K | $220K | $7K | 1.01% | 8.09% | 0.00% | 187 |
| Q3 2024 | $667K | $433K | $426K | $220K | $1K | 0.21% | 7.31% | 0.00% | 183 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.39% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -4.1% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $656K | $427K | $443K | $217K | $-2K | -0.54% | 7.19% | 0.00% | 181 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $191K · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 118.6% | 80.6% | 95th |
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: Crisp, GA, ranked 6th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crisp, GA | 1 | $389K* | 0.08% | 6th |
Georgia: 284th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1