| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.2% | +0.9% | +0.3 pts |
| Loan growth (YoY) | +28.2% | -2.6% | +30.8 pts |
| ROA | 1.05% | 0.65% | +0.4 pts |
| ROE | 5.7% | 4.4% | +1.3 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.6M | $12.7M | $6.6M | $2.9M | $82K | 1.05% | 3.72% | 0.14% | 1,218 |
| Q1 2026 | $15.7M | $12.8M | $6.2M | $2.8M | $41K | 1.06% | 3.66% | 0.00% | 1,216 |
| Q4 2025 | $15.2M | $12.4M | $6.1M | $2.8M | $147K | 0.97% | 3.39% | 0.00% | 1,219 |
| Q3 2025 | $15.2M | $12.4M | $5.6M | $2.7M | $113K | 0.99% | 3.33% | 0.00% | 1,599 |
| Q2 2025 | $15.4M | $12.6M | $5.2M | $2.7M | $63K | 0.83% | 3.19% | 0.01% | 1,695 |
| Q1 2025 | $15.2M | $12.5M | $4.7M | $2.7M | $32K | 0.83% | 3.12% | 0.54% | 1,698 |
| Q4 2024 | $15.4M | $12.7M | $4.7M | $2.6M | $116K | 0.76% | 3.09% | 0.63% | 1,707 |
| Q3 2024 | $15.5M | $12.8M | $4.8M | $2.6M | $100K | 0.86% | 3.03% | 0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,726 |
| Q2 2024 | $15.9M | $13.2M | $5.1M | $2.6M | $64K | 0.81% | 2.87% | 0.09% | 1,739 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.9M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 80.6% | 30th |
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: Harrison, WV, ranked 18th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrison, WV | 1 | $12.7M* | 0.55% | 18th |
West Virginia: 120th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1