| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.2% | +1.3% | -13.5 pts |
| Share growth (YoY) | -9.1% | +0.9% | -10.0 pts |
| Loan growth (YoY) | -12.8% | -2.6% | -10.1 pts |
| ROA | -11.66% | 0.65% | -12.3 pts |
| ROE | -33.0% | 4.4% | -37.3 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $195K | $133K | $78K | $69K | $-11K | -11.66% | 6.54% | 13.48% | 243 |
| Q1 2026 | $202K | $139K | $83K | $78K | $-7K | -14.61% | 9.29% | 6.88% | 271 |
| Q4 2025 | $206K | $135K | $89K | $90K | $-15K | -7.41% | 7.35% | 4.51% | 245 |
| Q3 2025 | $211K | $138K | $89K | $80K | $-10K | -6.33% | 8.32% | 10.51% | 246 |
| Q2 2025 | $222K | $146K | $89K | $82K | $-8K | -7.28% | 7.97% | 6.33% | 252 |
| Q1 2025 | $222K | $145K | $94K | $83K | $-7K | -11.78% | 6.91% | 20.67% | 253 |
| Q4 2024 | $235K | $145K | $94K | $90K | $-17K | -7.36% | 7.01% | 24.31% | 271 |
| Q3 2024 | $235K | $139K | $85K | $95K | $-3K | -1.67% | 6.67% | 19.77% | 271 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -11.66% | 0.65% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -33.0% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 6.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $239K | $146K | $76K | $92K | $-7K | -5.87% | 6.48% | 23.68% | 271 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $78K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 272.3% | 80.6% | 100th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Iberia, LA, ranked 14th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iberia, LA | 1 | $67K* | 0.00% | 14th |
| Fairfax (City), VA | 1 | $67K* | 0.00% | 43rd |
Virginia: 249th with 0.00% · Louisiana: 265th with 0.00% · Washington-Arlington-Alexandria metro: 183rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2