| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.4% | +0.9% | +5.5 pts |
| Loan growth (YoY) | -7.4% | -2.6% | -4.8 pts |
| ROA | 0.73% | 0.65% | +0.1 pts |
| ROE | 4.7% | 4.4% | +0.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.4M | $42.6M | $22.8M | $7.8M | $185K | 0.73% | 2.77% | 0.87% | 2,689 |
| Q1 2026 | $49.8M | $42.0M | $23.0M | $7.7M | $102K | 0.82% | 2.74% | 0.98% | 2,717 |
| Q4 2025 | $47.8M | $39.8M | $23.1M | $7.6M | $316K | 0.66% | 2.71% | 0.96% | 2,736 |
| Q3 2025 | $48.4M | $40.8M | $23.6M | $7.6M | $283K | 0.78% | 2.69% | 0.46% | 2,799 |
| Q2 2025 | $47.6M | $40.0M | $24.7M | $7.5M | $204K | 0.86% | 2.74% | 0.35% | 2,815 |
| Q1 2025 | $47.0M | $39.5M | $25.5M | $7.4M | $116K | 0.98% | 2.79% | 0.16% | 2,838 |
| Q4 2024 | $46.3M | $38.7M | $26.1M | $7.3M | $418K | 0.90% | 2.84% | 0.16% | 2,878 |
| Q3 2024 | $45.8M | $38.5M | $26.7M | $7.3M | $336K | 0.98% | 2.88% | 0.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,907 |
| Q2 2024 | $45.9M | $38.7M | $27.3M | $7.1M | $213K | 0.93% | 2.88% | 0.20% | 2,941 |
Loan mix (Q2 2026): real estate $9.9M · commercial $0 · consumer $11.7M · securities $24.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 80.6% | 37th |
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 (+1 vs 2025). Biggest market: Jefferson, KY, ranked 38th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, KY | 1 | $21.3M* | 0.06% | 38th |
| Collin, TX | 1 | $21.3M* | 0.05% | 92nd |
Kentucky: 192nd with 0.01% · Texas: 723rd with 0.00% · Louisville/Jefferson County metro: 58th, 0.04% · Dallas-Fort Worth-Arlington metro: 232nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 2