| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -3.7% | +0.7% | -4.4 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.3 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.3M | $26.1M | $12.3M | $3.2M | $63K | 0.86% | 2.55% | 1.20% | 1,957 |
| Q4 2025 | $29.1M | $25.9M | $12.6M | $3.2M | $234K | 0.80% | 2.37% | 3.72% | 1,996 |
| Q3 2025 | $28.0M | $24.9M | $12.8M | $3.1M | $176K | 0.84% | 2.45% | 1.32% | 1,378 |
| Q2 2025 | $29.8M | $26.7M | $12.5M | $3.0M | $98K | 0.66% | 2.15% | 3.66% | 1,398 |
| Q1 2025 | $30.1M | $27.1M | $12.8M | $3.0M | $50K | 0.67% | 2.11% | 1.78% | 1,369 |
| Q4 2024 | $30.0M | $27.0M | $12.9M | $2.9M | $140K | 0.47% | 1.98% | 2.78% | 1,356 |
| Q3 2024 | $29.0M | $26.1M | $13.2M | $2.9M | $89K | 0.41% | 1.99% | 1.55% | 1,344 |
| Q2 2024 | $28.8M | $25.9M | $13.1M | $2.9M | $80K | 0.56% | 2.04% | 1.10% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,346 |
Loan mix (Q1 2026): real estate $5.2M · commercial $0 · consumer $6.2M · securities $13.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 81.5% | 21st |
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 2024). Biggest market: Cabell, WV, ranked 17th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cabell, WV | 1 | $26.7M* | 0.82% | 17th |
West Virginia: 102nd with 0.05% · Huntington-Ashland metro: 35th, 0.29% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1