| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.8% | +5.8 pts |
| Share growth (YoY) | +11.1% | +4.3% | +6.8 pts |
| Loan growth (YoY) | +15.3% | +4.3% | +11.0 pts |
| ROA | 0.71% | 0.62% | +0.1 pts |
| ROE | 7.8% | 5.9% | +1.9 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $674.0M | $606.3M | $536.0M | $61.7M | $1.2M | 0.71% | 3.33% | 0.11% | 27,575 |
| Q4 2025 | $651.9M | $585.3M | $518.2M | $60.5M | $5.3M | 0.81% | 3.33% | 0.14% | 27,089 |
| Q3 2025 | $625.3M | $560.0M | $510.8M | $59.1M | $3.9M | 0.83% | 3.42% | 0.13% | 26,822 |
| Q2 2025 | $620.3M | $555.2M | $485.6M | $57.8M | $2.6M | 0.85% | 3.35% | 0.14% | 26,389 |
| Q1 2025 | $609.8M | $545.6M | $464.9M | $57.2M | $1.9M | 1.24% | 3.37% | 0.14% | 25,943 |
| Q4 2024 | $615.0M | $554.9M | $448.8M | $55.3M | $2.5M | 0.41% | 2.69% | 0.11% | 26,310 |
| Q3 2024 | $473.1M | $425.5M | $374.5M | $41.4M | $1.7M | 0.47% | 2.06% | 0.27% | 24,514 |
| Q2 2024 | $473.1M | $425.5M | $374.5M | $41.4M | $1.7M | 0.70% | 3.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.62% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 24,514 |
Loan mix (Q1 2026): real estate $208.1M · commercial $151.4M · consumer $152.8M · securities $12.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 78.3% | 31st |
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.
9 branches in 3 counties across 1 state (+3 vs 2024). Biggest market: Bay, FL, ranked 6th with 7.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bay, FL | 7 | $431.8M* | 6.97% | 6th |
| Washington, FL | 1 | $61.7M* | 13.01% | 4th |
| Holmes, FL | 1 | $61.7M* | 25.03% | 2nd |
Florida: 116th with 0.06% · Panama City-Panama City Beach metro: 5th, 7.40% · * Deposits estimated (total shares spread across branches).
Branch count: 2023 6 · 2024 6 · 2025 9