| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -6.8% | +0.7% | -7.5 pts |
| Loan growth (YoY) | -12.5% | -2.4% | -10.2 pts |
| ROA | -1.43% | 0.60% | -2.0 pts |
| ROE | -18.9% | 4.1% | -23.0 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.5M | $11.5M | $6.1M | $945K | $-45K | -1.43% | 2.95% | 2.33% | 1,157 |
| Q4 2025 | $12.3M | $11.3M | $6.2M | $989K | $-71K | -0.58% | 4.38% | 0.38% | 1,184 |
| Q3 2025 | $12.8M | $11.7M | $6.7M | $1.0M | $-49K | -0.51% | 4.11% | 0.23% | 1,249 |
| Q2 2025 | $13.2M | $12.1M | $7.0M | $1.0M | $-64K | -0.97% | 3.78% | 1.00% | 1,317 |
| Q1 2025 | $13.4M | $12.3M | $7.0M | $1.0M | $-48K | -1.44% | 3.82% | 1.43% | 1,327 |
| Q4 2024 | $13.2M | $12.1M | $7.3M | $1.0M | $-196K | -1.49% | 3.58% | 0.66% | 1,349 |
| Q3 2024 | $14.1M | $12.8M | $7.5M | $1.1M | $-137K | -1.29% | 3.30% | 0.67% | 1,369 |
| Q2 2024 | $15.0M | $13.7M | $7.6M | $1.1M | $-126K | -1.68% | 3.00% | 2.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.43% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -18.9% | 4.1% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,407 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $3.8M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 136.9% | 81.5% | 96th |
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 2024). Biggest market: Hancock, KY, ranked 4th with 5.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hancock, KY | 1 | $12.1M* | 5.33% | 4th |
Kentucky: 208th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1