| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -4.5% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -4.3% | -2.6% | -1.7 pts |
| ROA | 1.30% | 0.65% | +0.6 pts |
| ROE | 10.3% | 4.4% | +6.0 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.9M | $33.0M | $9.1M | $4.8M | $246K | 1.30% | 3.45% | 3.50% | 1,804 |
| Q1 2026 | $39.6M | $34.5M | $9.4M | $4.9M | $415K | 4.20% | 3.48% | 3.77% | 1,821 |
| Q4 2025 | $40.6M | $35.9M | $9.8M | $4.6M | $118K | 0.29% | 2.78% | 3.11% | 1,830 |
| Q3 2025 | $40.3M | $35.5M | $9.8M | $4.7M | $289K | 0.95% | 2.92% | 2.87% | 1,846 |
| Q2 2025 | $39.2M | $34.6M | $9.5M | $4.6M | $128K | 0.65% | 2.71% | 2.92% | 1,865 |
| Q1 2025 | $40.5M | $35.5M | $9.5M | $4.5M | $21K | 0.20% | 2.58% | 2.02% | 1,892 |
| Q4 2024 | $38.0M | $33.6M | $9.6M | $4.5M | $300K | 0.79% | 2.63% | 3.30% | 1,899 |
| Q3 2024 | $37.6M | $33.1M | $9.7M | $4.6M | $402K | 1.43% | 2.63% | 3.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,914 |
| Q2 2024 | $36.5M | $32.1M | $9.9M | $4.5M | $306K | 1.68% | 2.92% | 2.76% | 1,929 |
Loan mix (Q2 2026): real estate $4.6M · commercial $0 · consumer $4.2M · securities $24.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 80.6% | 12th |
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 (+0 vs 2025). Biggest market: Shelby, AL, ranked 31st with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, AL | 1 | $16.5M* | 0.27% | 31st |
| Ocean, NJ | 1 | $16.5M* | 0.07% | 26th |
New Jersey: 171st with 0.00% · Alabama: 206th with 0.01% · Birmingham metro: 79th, 0.03% · New York-Newark-Jersey City metro: 236th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2