| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.9% | +4.8% | +19.1 pts |
| Share growth (YoY) | +39.6% | +4.3% | +35.3 pts |
| Loan growth (YoY) | +30.1% | +4.3% | +25.8 pts |
| ROA | 0.03% | 0.62% | -0.6 pts |
| ROE | 0.2% | 5.9% | -5.8 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $867.3M | $665.4M | $590.1M | $142.6M | $60K | 0.03% | 3.13% | 1.72% | 48,472 |
| Q4 2025 | $856.7M | $627.8M | $568.2M | $145.8M | $240K | 0.03% | 2.85% | 2.43% | 47,441 |
| Q3 2025 | $779.4M | $581.7M | $514.5M | $145.4M | $294K | 0.05% | 2.83% | 2.23% | 41,017 |
| Q2 2025 | $739.3M | $491.7M | $488.3M | $151.4M | $120K | 0.03% | 2.95% | 2.67% | 40,628 |
| Q1 2025 | $700.2M | $476.6M | $453.5M | $151.3M | $60K | 0.03% | 2.91% | 2.55% | 39,924 |
| Q4 2024 | $682.8M | $457.5M | $426.9M | $151.3M | $240K | 0.04% | 2.94% | 4.68% | 39,544 |
| Q3 2024 | $653.8M | $454.0M | $393.6M | $151.2M | $196K | 0.04% | 2.99% | 5.02% | 41,000 |
| Q2 2024 | $620.3M | $429.8M | $358.0M | $151.1M | $132K | 0.04% | 3.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.62% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 5.11% |
| 40,000 |
Loan mix (Q1 2026): real estate $266.1M · commercial $272.4M · consumer $43.2M · securities $147.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 78.3% | 75th |
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.
26 branches in 15 counties across 5 states (+0 vs 2024). Biggest market: Hinds, MS, ranked 10th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hinds, MS | 5 | $94.6M* | 1.12% | 10th |
| Shelby, TN | 4 | $75.6M* | 0.22% | 36th |
| Pulaski, AR | 2 | $37.8M* | 0.12% | 29th |
| 12 more counties with Pro → | ||||
Mississippi: 50th with 0.34% · Tennessee: 192nd with 0.03% · Arkansas: 116th with 0.05% · Alabama: 166th with 0.04% · Louisiana: 175th with 0.03% · Jackson metro: 23rd, 0.54% · Memphis metro: 47th, 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 25 · 2023 25 · 2024 26 · 2025 26