| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +7.6% | -2.4% | +9.9 pts |
| ROA | 0.61% | 0.60% | +0.0 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.7M | $32.3M | $24.8M | $5.4M | $57K | 0.61% | 3.84% | 0.87% | 3,027 |
| Q4 2025 | $36.2M | $30.8M | $25.1M | $5.4M | $259K | 0.72% | 3.75% | 0.99% | 3,045 |
| Q3 2025 | $36.0M | $30.7M | $24.3M | $5.3M | $173K | 0.64% | 3.64% | 1.47% | 3,015 |
| Q2 2025 | $36.1M | $30.8M | $23.4M | $5.2M | $94K | 0.52% | 3.49% | 1.38% | 3,007 |
| Q1 2025 | $36.0M | $30.9M | $23.0M | $5.1M | $18K | 0.20% | 3.32% | 0.22% | 2,946 |
| Q4 2024 | $34.4M | $29.3M | $23.4M | $5.1M | $105K | 0.31% | 3.39% | 1.62% | 2,963 |
| Q3 2024 | $34.5M | $29.4M | $23.5M | $5.1M | $63K | 0.24% | 3.34% | 1.12% | 2,951 |
| Q2 2024 | $34.0M | $28.9M | $24.0M | $5.1M | $57K | 0.33% | 3.30% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,973 |
Loan mix (Q1 2026): real estate $6.7M · commercial $0 · consumer $18.0M · securities $9.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 81.5% | 45th |
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.
3 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Harrison, WV, ranked 16th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrison, WV | 2 | $20.6M* | 0.86% | 16th |
| Oakland, MI | 1 | $10.3M* | 0.01% | 65th |
West Virginia: 113th with 0.04% · Michigan: 283rd with 0.00% · Detroit-Warren-Dearborn metro: 102nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3