| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +7.5% | +0.9% | +6.6 pts |
| Loan growth (YoY) | -8.7% | -2.6% | -6.0 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 7.2% | 4.4% | +2.8 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.1M | $5.3M | $3.2M | $739K | $27K | 0.87% | 3.33% | 4.44% | 652 |
| Q1 2026 | $6.0M | $5.2M | $3.3M | $722K | $9K | 0.62% | 3.42% | 2.78% | 651 |
| Q4 2025 | $5.8M | $5.1M | $3.3M | $713K | $15K | 0.26% | 3.09% | 0.66% | 648 |
| Q3 2025 | $5.7M | $4.9M | $3.3M | $754K | $56K | 1.32% | 3.51% | 2.17% | 645 |
| Q2 2025 | $5.7M | $5.0M | $3.6M | $735K | $37K | 1.30% | 3.41% | 0.36% | 646 |
| Q1 2025 | $5.6M | $4.9M | $3.4M | $709K | $11K | 0.79% | 3.21% | 0.20% | 648 |
| Q4 2024 | $5.4M | $4.7M | $3.4M | $698K | $7K | 0.13% | 3.44% | 0.45% | 650 |
| Q3 2024 | $5.3M | $4.5M | $3.5M | $748K | $55K | 1.39% | 3.96% | 2.21% | 641 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.0M |
| $4.2M |
| $3.4M |
| $746K |
| $56K |
| 2.25% |
| 4.53% |
| 0.29% |
| 640 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $446K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 80.6% | 33rd |
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 25th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cabell, WV | 1 | $5.3M* | 0.16% | 25th |
West Virginia: 135th with 0.01% · Huntington-Ashland metro: 45th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1