| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.1% | +0.9% | -2.0 pts |
| Loan growth (YoY) | -7.7% | -2.6% | -5.1 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 3.1% | 4.4% | -1.3 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.7M | $35.1M | $13.7M | $9.2M | $144K | 0.64% | 3.06% | 1.00% | 3,682 |
| Q1 2026 | $45.7M | $36.1M | $13.6M | $9.1M | $61K | 0.53% | 2.96% | 0.49% | 3,420 |
| Q4 2025 | $45.0M | $35.4M | $14.1M | $9.1M | $259K | 0.58% | 2.90% | 1.30% | 3,852 |
| Q3 2025 | $45.0M | $35.4M | $14.7M | $9.0M | $219K | 0.65% | 2.86% | 1.20% | 3,922 |
| Q2 2025 | $44.8M | $35.4M | $14.8M | $8.9M | $114K | 0.51% | 2.79% | 1.21% | 3,400 |
| Q1 2025 | $45.1M | $35.7M | $15.2M | $8.9M | $47K | 0.41% | 2.64% | 0.44% | 3,427 |
| Q4 2024 | $44.8M | $35.4M | $15.4M | $8.8M | $355K | 0.79% | 3.03% | 1.05% | 3,596 |
| Q3 2024 | $44.2M | $34.8M | $16.4M | $8.8M | $319K | 0.96% | 3.15% | 0.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,618 |
| Q2 2024 | $44.5M | $35.2M | $17.1M | $8.7M | $234K | 1.05% | 3.31% | 0.97% | 3,662 |
Loan mix (Q2 2026): real estate $1.5M · commercial $0 · consumer $10.3M · securities $29.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 80.6% | 50th |
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 2025). Biggest market: Kanawha, WV, ranked 18th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kanawha, WV | 1 | $35.1M* | 0.48% | 18th |
West Virginia: 97th with 0.07% · Charleston metro: 20th, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1