| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.1% | +4.0 pts |
| Share growth (YoY) | +6.8% | +3.5% | +3.2 pts |
| Loan growth (YoY) | -0.0% | +2.9% | -2.9 pts |
| ROA | 2.42% | 0.74% | +1.7 pts |
| ROE | 15.2% | 6.5% | +8.7 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $132.6M | $111.4M | $53.6M | $21.1M | $1.6M | 2.42% | 4.12% | 1.41% | 6,928 |
| Q1 2026 | $131.9M | $111.2M | $54.1M | $20.2M | $760K | 2.30% | 3.97% | 1.60% | 6,872 |
| Q4 2025 | $127.3M | $107.7M | $54.4M | $19.5M | $2.6M | 2.03% | 4.02% | 2.47% | 6,815 |
| Q3 2025 | $123.3M | $104.3M | $54.2M | $19.0M | $1.9M | 2.08% | 4.10% | 1.94% | 6,771 |
| Q2 2025 | $122.6M | $104.4M | $53.7M | $18.3M | $1.3M | 2.08% | 4.05% | 1.76% | 6,702 |
| Q1 2025 | $123.2M | $105.4M | $52.0M | $17.6M | $533K | 1.73% | 3.76% | 1.74% | 6,648 |
| Q4 2024 | $117.2M | $100.8M | $50.9M | $17.0M | $2.1M | 1.78% | 3.81% | 2.61% | 6,589 |
| Q3 2024 | $115.2M | $99.2M | $50.9M | $16.6M | $1.5M | 1.76% | 3.78% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.42% | 0.74% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 6.5% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 2.06% |
| 6,571 |
| Q2 2024 | $114.8M | $99.6M | $51.5M | $16.0M | $954K | 1.66% | 3.74% | 1.89% | 6,513 |
Loan mix (Q2 2026): real estate $3.8M · commercial $0 · consumer $47.6M · securities $33.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 77.5% | 3rd |
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 1 state (+0 vs 2025). Biggest market: Covington (City), VA, ranked 4th with 13.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Covington (City), VA | 1 | $55.7M* | 13.03% | 4th |
| Alleghany, VA | 1 | $55.7M* | 38.35% | 2nd |
Virginia: 135th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2