| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +1.3% | +6.7 pts |
| Share growth (YoY) | +8.0% | +0.9% | +7.1 pts |
| Loan growth (YoY) | +10.8% | -2.6% | +13.5 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 7.3% | 4.4% | +2.9 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.1M | $20.2M | $15.4M | $2.7M | $101K | 0.87% | 4.46% | 0.35% | 1,883 |
| Q1 2026 | $22.4M | $19.6M | $14.6M | $2.7M | $53K | 0.94% | 4.46% | 0.56% | 1,844 |
| Q4 2025 | $22.2M | $19.5M | $14.5M | $2.6M | $411K | 1.85% | 4.37% | 0.24% | 1,841 |
| Q3 2025 | $21.7M | $19.0M | $14.1M | $2.6M | $359K | 2.20% | 4.41% | 0.16% | 1,852 |
| Q2 2025 | $21.4M | $18.7M | $13.9M | $2.5M | $292K | 2.73% | 4.44% | 0.31% | 1,842 |
| Q1 2025 | $21.8M | $19.3M | $13.8M | $2.3M | $104K | 1.90% | 4.36% | 0.70% | 1,844 |
| Q4 2024 | $20.8M | $18.4M | $14.1M | $2.2M | $200K | 0.97% | 3.97% | 0.97% | 1,842 |
| Q3 2024 | $21.0M | $18.8M | $14.3M | $2.2M | $123K | 0.78% | 3.70% | 0.54% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,865 |
| Q2 2024 | $20.3M | $18.1M | $13.5M | $2.1M | $64K | 0.63% | 3.72% | 0.32% | 1,876 |
Loan mix (Q2 2026): real estate $7.2M · commercial $0 · consumer $8.0M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 80.6% | 45th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Jefferson, KY, ranked 39th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, KY | 2 | $20.2M* | 0.06% | 39th |
Kentucky: 195th with 0.01% · Louisville/Jefferson County metro: 59th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2