| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +5.9 pts |
| Share growth (YoY) | +7.8% | +0.9% | +6.8 pts |
| Loan growth (YoY) | -1.6% | -2.6% | +1.1 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 5.2% | 4.4% | +0.8 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 | $43.3M | $34.7M | $19.7M | $8.6M | $226K | 1.04% | 3.03% | 0.38% | 2,581 |
| Q1 2026 | $43.5M | $35.0M | $19.4M | $8.5M | $124K | 1.15% | 2.96% | 0.64% | 2,498 |
| Q4 2025 | $41.6M | $33.2M | $18.9M | $8.4M | $456K | 1.10% | 2.96% | 0.08% | 2,577 |
| Q3 2025 | $40.6M | $32.3M | $19.6M | $8.3M | $367K | 1.21% | 3.07% | 0.00% | 2,596 |
| Q2 2025 | $40.4M | $32.2M | $20.0M | $8.2M | $249K | 1.23% | 3.06% | 0.16% | 2,576 |
| Q1 2025 | $40.3M | $32.2M | $19.8M | $8.1M | $145K | 1.44% | 3.09% | 0.22% | 2,437 |
| Q4 2024 | $39.4M | $31.4M | $19.7M | $7.9M | $379K | 0.96% | 2.81% | 0.00% | 2,547 |
| Q3 2024 | $39.4M | $31.5M | $19.9M | $7.9M | $314K | 1.06% | 2.77% | 0.10% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,540 |
| Q2 2024 | $39.4M | $31.7M | $19.9M | $7.8M | $178K | 0.90% | 2.67% | 0.36% | 2,512 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $16.8M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 80.6% | 13th |
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 13th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrison, WV | 1 | $34.7M* | 1.50% | 13th |
West Virginia: 98th with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1