| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +6.4% | +0.9% | +5.4 pts |
| Loan growth (YoY) | +6.1% | -2.6% | +8.8 pts |
| ROA | 1.05% | 0.65% | +0.4 pts |
| ROE | 7.1% | 4.4% | +2.8 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.5M | $2.2M | $576K | $373K | $13K | 1.05% | 2.82% | 0.00% | 278 |
| Q1 2026 | $2.5M | $2.1M | $538K | $368K | $9K | 1.39% | 2.91% | 0.00% | 275 |
| Q4 2025 | $2.4M | $2.1M | $453K | $359K | $30K | 1.25% | 3.04% | 0.00% | 281 |
| Q3 2025 | $2.4M | $2.0M | $513K | $353K | $24K | 1.35% | 2.97% | 0.00% | 277 |
| Q2 2025 | $2.4M | $2.0M | $543K | $345K | $16K | 1.35% | 3.05% | 0.00% | 276 |
| Q1 2025 | $2.4M | $2.0M | $489K | $334K | $5K | 0.77% | 3.11% | 0.00% | 277 |
| Q4 2024 | $2.4M | $2.0M | $565K | $329K | $53K | 2.21% | 4.00% | 0.00% | 276 |
| Q3 2024 | $2.4M | $2.1M | $590K | $318K | $42K | 2.34% | 4.01% | 0.00% | 277 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.65% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.4M |
| $2.1M |
| $541K |
| $303K |
| $27K |
| 2.22% |
| 3.97% |
| 0.00% |
| 276 |
Loan mix (Q2 2026): real estate $144K · commercial $0 · consumer $409K · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 80.6% | 15th |
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: Roanoke (City), VA, ranked 21st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Roanoke (City), VA | 1 | $2.2M* | 0.04% | 21st |
Virginia: 225th with 0.00% · Roanoke metro: 28th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1