| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -5.0% | +0.9% | -5.9 pts |
| Loan growth (YoY) | +0.7% | -2.6% | +3.4 pts |
| ROA | 0.54% | 0.65% | -0.1 pts |
| ROE | 3.8% | 4.4% | -0.6 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.5M | $4.6M | $4.2M | $771K | $15K | 0.54% | 6.51% | 0.80% | 2,120 |
| Q1 2026 | $5.8M | $4.9M | $4.2M | $772K | $16K | 1.07% | 6.22% | 0.64% | 2,137 |
| Q4 2025 | $5.7M | $4.9M | $4.2M | $757K | $-16K | -0.27% | 6.34% | 0.85% | 2,160 |
| Q3 2025 | $5.6M | $4.8M | $4.2M | $749K | $-24K | -0.57% | 6.51% | 1.07% | 2,160 |
| Q2 2025 | $5.7M | $4.9M | $4.2M | $761K | $-11K | -0.40% | 6.31% | 1.63% | 2,162 |
| Q1 2025 | $5.8M | $5.0M | $4.2M | $752K | $-21K | -1.43% | 6.16% | 0.62% | 2,174 |
| Q4 2024 | $5.6M | $4.7M | $4.4M | $773K | $-17K | -0.31% | 6.26% | 1.88% | 2,171 |
| Q3 2024 | $5.7M | $4.8M | $4.5M | $781K | $-27K | -0.63% | 6.12% | 1.45% | 2,189 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hsm Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.6M | $4.7M | $4.5M | $797K | $-11K | -0.41% | 6.33% | 0.80% | 2,194 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $1.1M
98th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 80.6% | 71st |
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 | Hsm Federal 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 | Hsm Federal 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 | Hsm Federal 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 | Hsm Federal 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 | Hsm Federal 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Catawba, NC, ranked 21st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Catawba, NC | 1 | $4.6M* | 0.09% | 21st |
North Carolina: 169th with 0.00% · Hickory-Lenoir-Morganton metro: 25th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1