| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.9% | +1.3% | -17.2 pts |
| Share growth (YoY) | -15.7% | +0.9% | -16.7 pts |
| Loan growth (YoY) | -24.2% | -2.6% | -21.6 pts |
| ROA | -1.86% | 0.65% | -2.5 pts |
| ROE | -17.2% | 4.4% | -21.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.7M | $2.4M | $1.5M | $288K | $-25K | -1.86% | 6.23% | 0.45% | 887 |
| Q1 2026 | $2.7M | $2.4M | $1.5M | $295K | $-18K | -2.58% | 5.91% | 1.66% | 881 |
| Q4 2025 | $3.0M | $2.7M | $1.8M | $313K | $-99K | -3.34% | 5.98% | 0.50% | 879 |
| Q3 2025 | $3.1M | $2.8M | $1.9M | $334K | $-79K | -3.40% | 5.81% | 0.94% | 885 |
| Q2 2025 | $3.2M | $2.8M | $2.0M | $342K | $-72K | -4.50% | 5.46% | 0.73% | 881 |
| Q1 2025 | $3.3M | $2.9M | $2.0M | $378K | $-35K | -4.29% | 5.32% | 1.78% | 879 |
| Q4 2024 | $3.1M | $2.7M | $2.1M | $413K | $-29K | -0.94% | 6.04% | 5.14% | 945 |
| Q3 2024 | $3.1M | $2.7M | $2.2M | $434K | $-9K | -0.39% | 6.30% | 4.39% | 947 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.86% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -17.2% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.3M | $2.9M | $2.2M | $445K | $2K | 0.10% | 6.18% | 4.64% | 945 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $653K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 126.2% | 80.6% | 96th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Bibb, GA, ranked 23rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bibb, GA | 2 | $2.4M* | 0.04% | 23rd |
Georgia: 275th with 0.00% · Macon-Bibb County metro: 30th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2