| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -2.2% | +0.9% | -3.1 pts |
| Loan growth (YoY) | -17.3% | -2.6% | -14.6 pts |
| ROA | 0.25% | 0.65% | -0.4 pts |
| ROE | 0.8% | 4.4% | -3.5 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.2M | $8.6M | $2.5M | $3.6M | $15K | 0.25% | 2.59% | 0.75% | 717 |
| Q1 2026 | $12.3M | $8.6M | $2.6M | $3.6M | $11K | 0.37% | 2.63% | 0.72% | 723 |
| Q4 2025 | $12.4M | $8.8M | $2.8M | $3.6M | $94K | 0.76% | 2.87% | 0.48% | 724 |
| Q3 2025 | $12.5M | $8.9M | $3.0M | $3.6M | $75K | 0.80% | 2.88% | 0.03% | 727 |
| Q2 2025 | $12.3M | $8.8M | $3.0M | $3.5M | $54K | 0.87% | 2.97% | 0.14% | 721 |
| Q1 2025 | $12.9M | $9.3M | $3.3M | $3.5M | $32K | 1.00% | 3.09% | 0.09% | 751 |
| Q4 2024 | $13.1M | $9.6M | $3.4M | $3.5M | $93K | 0.71% | 2.62% | 0.00% | 748 |
| Q3 2024 | $14.0M | $10.5M | $3.5M | $3.5M | $63K | 0.60% | 2.47% | 0.00% | 750 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $14.2M | $10.7M | $3.8M | $3.4M | $33K | 0.46% | 2.33% | 0.00% | 757 |
Loan mix (Q2 2026): real estate $731K · commercial $0 · consumer $1.7M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.6% | 80.6% | 73rd |
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.
4 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Guilford, NC, ranked 41st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Guilford, NC | 3 | $6.4M* | 0.04% | 41st |
| Cole, MO | 1 | $2.1M* | 0.03% | 24th |
North Carolina: 167th with 0.00% · Missouri: 352nd with 0.00% · Greensboro-High Point metro: 46th, 0.03% · Jefferson City metro: 33rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4