| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -0.3% | +0.9% | -1.2 pts |
| Loan growth (YoY) | -22.0% | -2.6% | -19.4 pts |
| ROA | 0.61% | 0.65% | -0.0 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.7M | $25.9M | $11.8M | $4.7M | $94K | 0.61% | 4.56% | 5.58% | 4,245 |
| Q1 2026 | $31.3M | $26.6M | $12.8M | $4.6M | $54K | 0.69% | 4.54% | 5.44% | 4,245 |
| Q4 2025 | $30.4M | $25.8M | $13.9M | $4.6M | $182K | 0.60% | 4.95% | 7.03% | 4,415 |
| Q3 2025 | $30.4M | $25.8M | $14.8M | $4.6M | $152K | 0.67% | 4.98% | 7.27% | 4,427 |
| Q2 2025 | $30.5M | $26.0M | $15.1M | $4.6M | $118K | 0.77% | 4.98% | 5.72% | 4,429 |
| Q1 2025 | $31.2M | $26.7M | $16.2M | $4.5M | $43K | 0.55% | 4.95% | 5.89% | 4,755 |
| Q4 2024 | $30.7M | $26.3M | $17.1M | $4.5M | $256K | 0.83% | 5.51% | 5.91% | 4,801 |
| Q3 2024 | $30.9M | $26.5M | $18.1M | $4.4M | $182K | 0.78% | 5.55% | 5.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,862 |
| Q2 2024 | $32.6M | $28.3M | $18.8M | $4.4M | $118K | 0.72% | 5.26% | 5.78% | 4,926 |
Loan mix (Q2 2026): real estate $1.9M · commercial $0 · consumer $9.4M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 80.6% | 61st |
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: Cabell, WV, ranked 19th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cabell, WV | 1 | $25.9M* | 0.77% | 19th |
West Virginia: 106th with 0.05% · Huntington-Ashland metro: 37th, 0.28% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1