| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.6 pts |
| Loan growth (YoY) | +0.5% | -2.6% | +3.2 pts |
| ROA | 0.14% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.5M | $43.1M | $39.2M | $6.7M | $36K | 0.14% | 4.54% | 0.33% | 5,758 |
| Q1 2026 | $50.2M | $42.9M | $38.7M | $6.8M | $88K | 0.70% | 4.43% | 0.26% | 5,727 |
| Q4 2025 | $49.2M | $41.7M | $40.0M | $6.7M | $400K | 0.81% | 4.47% | 0.39% | 5,768 |
| Q3 2025 | $49.0M | $42.0M | $38.8M | $6.6M | $277K | 0.75% | 4.41% | 0.32% | 5,762 |
| Q2 2025 | $48.6M | $41.7M | $39.0M | $6.5M | $168K | 0.69% | 4.39% | 0.29% | 5,669 |
| Q1 2025 | $52.2M | $44.4M | $39.3M | $6.4M | $56K | 0.43% | 3.88% | 0.17% | 5,644 |
| Q4 2024 | $50.9M | $43.2M | $39.4M | $6.3M | $256K | 0.50% | 3.66% | 0.41% | 5,691 |
| Q3 2024 | $53.3M | $43.4M | $39.4M | $6.3M | $201K | 0.50% | 3.42% | 0.24% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Healthshare Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,719 |
| Q2 2024 | $52.3M | $41.6M | $40.2M | $6.2M | $145K | 0.55% | 3.43% | 0.19% | 5,748 |
Loan mix (Q2 2026): real estate $26.4M · commercial $0 · consumer $12.3M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 80.6% | 73rd |
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 | Healthshare 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 | Healthshare 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 | Healthshare 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 | Healthshare 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 | Healthshare 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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Guilford, NC, ranked 33rd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Guilford, NC | 2 | $28.7M* | 0.16% | 33rd |
| Alamance, NC | 1 | $14.4M* | 0.34% | 19th |
North Carolina: 126th with 0.01% · Greensboro-High Point metro: 39th, 0.12% · Burlington metro: 19th, 0.34% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3