| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.6% | +1.3% | +14.3 pts |
| Share growth (YoY) | +19.8% | +0.9% | +18.9 pts |
| Loan growth (YoY) | -5.1% | -2.6% | -2.5 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 2.6% | 4.4% | -1.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.2M | $29.6M | $9.9M | $7.5M | $99K | 0.53% | 2.50% | 0.84% | 2,183 |
| Q1 2026 | $34.9M | $27.4M | $9.8M | $7.4M | $36K | 0.42% | 2.62% | 1.11% | 2,184 |
| Q4 2025 | $32.9M | $25.4M | $9.6M | $7.4M | $191K | 0.58% | 2.83% | 0.76% | 2,206 |
| Q3 2025 | $32.8M | $25.4M | $10.3M | $7.3M | $146K | 0.59% | 2.82% | 0.75% | 2,226 |
| Q2 2025 | $32.2M | $24.7M | $10.4M | $7.3M | $108K | 0.67% | 2.89% | 0.78% | 2,257 |
| Q1 2025 | $31.8M | $24.4M | $10.5M | $7.2M | $59K | 0.74% | 2.89% | 0.97% | 2,278 |
| Q4 2024 | $31.1M | $23.7M | $10.8M | $7.2M | $165K | 0.53% | 2.71% | 1.64% | 2,304 |
| Q3 2024 | $31.0M | $23.7M | $11.0M | $7.1M | $121K | 0.52% | 2.66% | 1.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,313 |
| Q2 2024 | $31.1M | $23.7M | $11.2M | $7.1M | $75K | 0.48% | 2.64% | 1.79% | 2,342 |
Loan mix (Q2 2026): real estate $4.2M · commercial $0 · consumer $5.3M · securities $23.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 80.6% | 45th |
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 (+1 vs 2025). Biggest market: Jefferson, KY, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, KY | 2 | $19.8M* | 0.05% | 40th |
| Salt Lake, UT | 1 | $9.9M* | 0.00% | 113th |
Kentucky: 198th with 0.01% · Utah: 139th with 0.00% · Louisville/Jefferson County metro: 60th, 0.04% · Salt Lake City-Murray metro: 113th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3