| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -18.2% | +1.3% | -19.5 pts |
| Share growth (YoY) | -21.0% | +0.7% | -21.6 pts |
| Loan growth (YoY) | -26.9% | -2.4% | -24.5 pts |
| ROA | 5.76% | 0.60% | +5.2 pts |
| ROE | 41.5% | 4.1% | +37.4 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $905K | $773K | $334K | $126K | $13K | 5.76% | 13.03% | 12.35% | 524 |
| Q4 2025 | $973K | $854K | $371K | $113K | $-12K | -1.28% | 6.04% | 22.44% | 523 |
| Q3 2025 | $1.0M | $903K | $431K | $126K | $-62 | -0.01% | 7.06% | 12.26% | 523 |
| Q2 2025 | $1.1M | $927K | $447K | $130K | $4K | 0.77% | 7.45% | 10.73% | 523 |
| Q1 2025 | $1.1M | $979K | $456K | $121K | $-5K | -1.70% | 5.75% | 15.56% | 522 |
| Q4 2024 | $1.2M | $1.1M | $491K | $126K | $-68K | -5.71% | 3.41% | 23.49% | 524 |
| Q3 2024 | $1.2M | $1.0M | $493K | $142K | $-52K | -5.84% | 4.34% | 18.42% | 515 |
| Q2 2024 | $1.2M | $1.0M | $554K | $142K | $-47K | -7.98% | 3.03% | 27.99% | 511 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 5.76% | 0.60% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 41.5% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 13.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $331K · securities $507K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 81.5% | 10th |
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: Issaquena, MS, ranked 2nd with 5.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Issaquena, MS | 1 | $927K* | 5.75% | 2nd |
Mississippi: 149th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1