| Metric | Health Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.5 pts |
| Share growth (YoY) | -4.5% | +0.9% | -5.5 pts |
| Loan growth (YoY) | +14.1% | -2.6% | +16.8 pts |
| ROA | 0.13% | 0.65% | -0.5 pts |
| ROE | 0.6% | 4.4% | -3.8 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.6M | $21.1M | $19.8M | $6.2M | $18K | 0.13% | 4.97% | 1.72% | 2,114 |
| Q1 2026 | $27.4M | $21.0M | $19.4M | $6.1M | $9K | 0.13% | 4.99% | 2.28% | 2,105 |
| Q4 2025 | $27.6M | $21.3M | $19.0M | $6.1M | $-32K | -0.12% | 4.94% | 2.14% | 2,130 |
| Q3 2025 | $28.3M | $21.7M | $17.9M | $6.2M | $-7K | -0.03% | 4.81% | 2.73% | 2,101 |
| Q2 2025 | $28.5M | $22.1M | $17.3M | $6.1M | $-59K | -0.41% | 4.71% | 3.40% | 2,081 |
| Q1 2025 | $28.7M | $22.2M | $17.7M | $6.2M | $56K | 0.79% | 4.69% | 2.20% | 2,078 |
| Q4 2024 | $28.0M | $21.5M | $17.9M | $6.2M | $148K | 0.53% | 4.62% | 1.84% | 2,082 |
| Q3 2024 | $27.9M | $21.6M | $18.1M | $6.1M | $108K | 0.52% | 4.59% | 2.88% |
| Ratio | Health Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,085 |
| Q2 2024 | $27.7M | $21.5M | $17.8M | $6.1M | $61K | 0.44% | 4.59% | 1.43% | 2,091 |
Loan mix (Q2 2026): real estate $2.7M · commercial $0 · consumer $16.4M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 80.6% | 22nd |
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 | Health Credit Union | 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 | Health Credit Union | 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 | Health Credit Union | 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 | Health Credit Union | 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 | Health Credit Union | 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: Jefferson, AL, ranked 54th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AL | 1 | $21.1M* | 0.04% | 54th |
Alabama: 197th with 0.01% · Birmingham metro: 74th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1