| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +1.6% | +0.9% | +0.7 pts |
| Loan growth (YoY) | -7.9% | -2.6% | -5.3 pts |
| ROA | 1.87% | 0.65% | +1.2 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.2M | $21.4M | $9.9M | $9.2M | $291K | 1.87% | 5.12% | 3.17% | 4,943 |
| Q1 2026 | $31.7M | $22.0M | $10.2M | $9.0M | $130K | 1.64% | 5.13% | 2.35% | 4,955 |
| Q4 2025 | $31.0M | $21.4M | $10.3M | $8.9M | $650K | 2.10% | 5.06% | 2.85% | 5,004 |
| Q3 2025 | $30.5M | $21.2M | $9.6M | $8.7M | $461K | 2.02% | 5.08% | 2.30% | 4,998 |
| Q2 2025 | $30.2M | $21.1M | $10.8M | $8.6M | $312K | 2.06% | 5.16% | 1.34% | 5,017 |
| Q1 2025 | $29.8M | $20.9M | $11.7M | $8.4M | $151K | 2.02% | 5.21% | 2.14% | 5,032 |
| Q4 2024 | $29.1M | $20.3M | $12.4M | $8.3M | $678K | 2.33% | 5.10% | 1.19% | 5,031 |
| Q3 2024 | $29.0M | $20.5M | $11.4M | $8.0M | $466K | 2.14% | 5.01% | 1.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.87% | 0.65% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,017 |
| Q2 2024 | $29.2M | $20.7M | $12.7M | $7.9M | $311K | 2.13% | 4.94% | 1.76% | 5,034 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $9.7M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 80.6% | 15th |
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 (+1 vs 2025). Biggest market: Pinellas, FL, ranked 48th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pinellas, FL | 1 | $10.7M* | 0.01% | 48th |
| Shelby, TN | 1 | $10.7M* | 0.03% | 60th |
Tennessee: 280th with 0.00% · Florida: 316th with 0.00% · Memphis metro: 76th, 0.02% · Tampa-St. Petersburg-Clearwater metro: 89th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2