| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.1% | +0.9% | -2.1 pts |
| Loan growth (YoY) | -2.4% | -2.6% | +0.2 pts |
| ROA | 0.25% | 0.65% | -0.4 pts |
| ROE | 2.6% | 4.4% | -1.8 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.2M | $24.4M | $12.6M | $2.6M | $34K | 0.25% | 3.84% | 0.22% | 2,116 |
| Q1 2026 | $27.7M | $25.1M | $13.0M | $2.6M | $10K | 0.15% | 3.63% | 0.67% | 2,130 |
| Q4 2025 | $26.4M | $23.8M | $13.7M | $2.6M | $47K | 0.18% | 3.70% | 0.54% | 2,155 |
| Q3 2025 | $27.7M | $25.1M | $12.7M | $2.6M | $34K | 0.16% | 3.49% | 0.28% | 2,187 |
| Q2 2025 | $27.3M | $24.7M | $12.9M | $2.6M | $17K | 0.12% | 3.47% | 0.31% | 2,207 |
| Q1 2025 | $27.3M | $24.7M | $13.1M | $2.5M | $11K | 0.16% | 3.37% | 0.47% | 2,219 |
| Q4 2024 | $26.2M | $23.7M | $13.3M | $2.5M | $64K | 0.24% | 3.58% | 0.17% | 2,230 |
| Q3 2024 | $26.8M | $24.2M | $13.2M | $2.6M | $55K | 0.28% | 3.48% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,251 |
| Q2 2024 | $27.0M | $24.4M | $13.3M | $2.5M | $42K | 0.31% | 3.44% | 0.27% | 2,249 |
Loan mix (Q2 2026): real estate $2.9M · commercial $0 · consumer $9.3M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 80.6% | 78th |
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: Fayette, KY, ranked 38th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, KY | 1 | $24.4M* | 0.17% | 38th |
Kentucky: 188th with 0.02% · Lexington-Fayette metro: 42nd, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1