| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +4.1% | +7.7 pts |
| Share growth (YoY) | +12.0% | +3.5% | +8.5 pts |
| Loan growth (YoY) | +6.3% | +2.9% | +3.4 pts |
| ROA | 1.03% | 0.74% | +0.3 pts |
| ROE | 10.4% | 6.5% | +4.0 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.2M | $173.8M | $123.9M | $19.2M | $999K | 1.03% | 3.64% | 1.08% | 11,104 |
| Q1 2026 | $189.2M | $170.3M | $120.9M | $18.7M | $541K | 1.14% | 3.61% | 1.03% | 10,913 |
| Q4 2025 | $181.0M | $162.6M | $119.4M | $18.2M | $1.7M | 0.93% | 3.45% | 1.27% | 10,747 |
| Q3 2025 | $175.1M | $157.1M | $119.3M | $17.9M | $1.4M | 1.05% | 3.49% | 0.69% | 10,668 |
| Q2 2025 | $172.8M | $155.1M | $116.6M | $17.4M | $932K | 1.08% | 3.44% | 0.84% | 10,670 |
| Q1 2025 | $167.6M | $150.5M | $115.2M | $16.9M | $401K | 0.96% | 3.38% | 0.67% | 10,421 |
| Q4 2024 | $160.7M | $144.1M | $115.5M | $16.5M | $1.7M | 1.04% | 3.33% | 0.83% | 10,237 |
| Q3 2024 | $155.0M | $138.8M | $115.4M | $16.1M | $1.3M | 1.08% | 3.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.74% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 6.5% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 10,121 |
| Q2 2024 | $159.2M | $143.4M | $111.7M | $15.6M | $788K | 0.99% | 3.27% | 0.67% | 9,916 |
Loan mix (Q2 2026): real estate $31.3M · commercial $440K · consumer $70.9M · securities $40.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 77.5% | 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.
5 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Tyler, WV, ranked 2nd with 29.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tyler, WV | 2 | $69.5M* | 29.27% | 2nd |
| Doddridge, WV | 1 | $34.8M* | 13.51% | 3rd |
| Pleasants, WV | 1 | $34.8M* | 18.81% | 3rd |
| 1 more county with Pro → | ||||
West Virginia: 50th with 0.33% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 5 · 2026 5