| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +1.3% | +6.7 pts |
| Share growth (YoY) | +9.1% | +0.9% | +8.2 pts |
| Loan growth (YoY) | +7.7% | -2.6% | +10.3 pts |
| ROA | 0.49% | 0.65% | -0.2 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.9M | $41.1M | $20.2M | $8.8M | $119K | 0.49% | 3.57% | 0.76% | 2,765 |
| Q1 2026 | $48.5M | $40.9M | $19.3M | $8.8M | $59K | 0.49% | 3.47% | 0.09% | 2,768 |
| Q4 2025 | $47.3M | $39.5M | $19.1M | $8.7M | $141K | 0.30% | 3.43% | 0.12% | 2,812 |
| Q3 2025 | $46.1M | $38.7M | $18.8M | $8.7M | $99K | 0.29% | 3.51% | 0.19% | 2,824 |
| Q2 2025 | $45.3M | $37.7M | $18.8M | $8.7M | $92K | 0.41% | 3.53% | 0.10% | 2,847 |
| Q1 2025 | $43.5M | $36.0M | $18.9M | $8.6M | $25K | 0.23% | 3.62% | 0.24% | 2,824 |
| Q4 2024 | $42.3M | $35.0M | $18.8M | $8.6M | $334K | 0.79% | 3.60% | 0.21% | 2,889 |
| Q3 2024 | $42.0M | $34.7M | $19.0M | $8.5M | $230K | 0.73% | 3.59% | 0.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,914 |
| Q2 2024 | $43.5M | $36.1M | $19.2M | $8.4M | $138K | 0.63% | 3.38% | 0.17% | 2,947 |
Loan mix (Q2 2026): real estate $7.4M · commercial $0 · consumer $11.1M · securities $23.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 80.6% | 69th |
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 (+0 vs 2025). Biggest market: Baldwin, AL, ranked 39th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Baldwin, AL | 1 | $20.6M* | 0.26% | 39th |
| Jackson, FL | 1 | $20.6M* | 1.61% | 12th |
Florida: 298th with 0.00% · Alabama: 201st with 0.01% · Daphne-Fairhope-Foley metro: 39th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2