| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -0.4% | +0.9% | -1.3 pts |
| Loan growth (YoY) | -2.4% | -2.6% | +0.3 pts |
| ROA | 0.24% | 0.65% | -0.4 pts |
| ROE | 3.4% | 4.4% | -1.0 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 | $4.5M | $4.2M | $2.7M | $317K | $5K | 0.24% | 4.11% | 1.35% | 658 |
| Q1 2026 | $4.4M | $4.1M | $2.7M | $314K | $3K | 0.23% | 4.19% | 1.34% | 662 |
| Q4 2025 | $4.4M | $4.1M | $2.7M | $311K | $-109K | -2.50% | 4.40% | 0.10% | 668 |
| Q3 2025 | $4.6M | $4.1M | $2.7M | $434K | $13K | 0.39% | 4.03% | 0.00% | 675 |
| Q2 2025 | $4.6M | $4.2M | $2.7M | $436K | $16K | 0.68% | 3.88% | 0.02% | 683 |
| Q1 2025 | $4.7M | $4.3M | $2.8M | $424K | $4K | 0.31% | 3.43% | 0.00% | 696 |
| Q4 2024 | $4.7M | $4.3M | $2.6M | $420K | $1K | 0.03% | 4.02% | 0.00% | 697 |
| Q3 2024 | $4.3M | $4.0M | $2.8M | $420K | $729 | 0.02% | 4.40% | 2.12% | 696 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.6M |
| $4.2M |
| $2.9M |
| $416K |
| $-3K |
| -0.13% |
| 4.19% |
| 1.93% |
| 691 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $551K
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Lowndes, GA, ranked 19th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lowndes, GA | 2 | $2.8M* | 0.07% | 19th |
| Salt Lake, UT | 1 | $1.4M* | 0.00% | 140th |
Georgia: 271st with 0.00% · Utah: 170th with 0.00% · Valdosta metro: 21st, 0.06% · Salt Lake City-Murray metro: 140th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 3 · 2024 3 · 2025 3 · 2026 3