| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.1% | -1.4 pts |
| Share growth (YoY) | +2.8% | +3.5% | -0.7 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.3 pts |
| ROA | 1.49% | 0.74% | +0.8 pts |
| ROE | 9.6% | 6.5% | +3.2 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.2M | $130.8M | $100.7M | $23.4M | $1.1M | 1.49% | 4.22% | 0.71% | 8,866 |
| Q1 2026 | $152.6M | $133.1M | $101.3M | $22.2M | $-60K | -0.16% | 4.07% | 0.76% | 8,801 |
| Q4 2025 | $148.0M | $128.5M | $99.7M | $22.3M | $412K | 0.28% | 3.89% | 0.77% | 8,839 |
| Q3 2025 | $144.1M | $124.8M | $99.1M | $22.1M | $304K | 0.28% | 3.92% | 1.05% | 8,808 |
| Q2 2025 | $147.2M | $127.2M | $97.6M | $22.4M | $515K | 0.70% | 3.75% | 0.51% | 8,744 |
| Q1 2025 | $152.4M | $132.3M | $96.2M | $21.9M | $4K | 0.01% | 3.55% | 0.45% | 8,657 |
| Q4 2024 | $151.2M | $127.1M | $95.5M | $21.9M | $309K | 0.20% | 3.44% | 0.53% | 8,582 |
| Q3 2024 | $153.9M | $122.4M | $95.9M | $22.0M | $433K | 0.38% | 3.39% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.74% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 6.5% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 8,571 |
| Q2 2024 | $154.8M | $127.2M | $94.9M | $22.0M | $358K | 0.46% | 3.37% | 0.44% | 8,503 |
Loan mix (Q2 2026): real estate $44.3M · commercial $0 · consumer $51.4M · securities $32.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 77.5% | 28th |
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.
6 branches in 5 counties across 4 states (+1 vs 2025). Biggest market: Duval, FL, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Duval, FL | 2 | $43.6M* | 0.04% | 36th |
| Jackson, GA | 1 | $21.8M* | 1.08% | 12th |
| Mobile, AL | 1 | $21.8M* | 0.17% | 40th |
| 2 more counties with Pro → | ||||
Florida: 255th with 0.01% · Georgia: 240th with 0.01% · Alabama: 195th with 0.01% · Missouri: 310th with 0.01% · Jacksonville metro: 48th, 0.03% · Mobile metro: 40th, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 6