| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +1.3% | +8.4 pts |
| Share growth (YoY) | +11.0% | +0.9% | +10.0 pts |
| Loan growth (YoY) | +6.8% | -2.6% | +9.4 pts |
| ROA | 1.89% | 0.65% | +1.2 pts |
| ROE | 7.0% | 4.4% | +2.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.9M | $4.3M | $3.8M | $1.6M | $55K | 1.89% | 5.48% | 0.56% | 716 |
| Q1 2026 | $5.8M | $4.2M | $3.8M | $1.6M | $25K | 1.73% | 5.49% | 0.57% | 693 |
| Q4 2025 | $5.6M | $4.0M | $3.8M | $1.5M | $73K | 1.31% | 5.50% | 0.72% | 695 |
| Q3 2025 | $5.5M | $4.0M | $3.7M | $1.5M | $43K | 1.04% | 5.11% | 0.34% | 669 |
| Q2 2025 | $5.4M | $3.8M | $3.5M | $1.5M | $33K | 1.22% | 4.99% | 0.00% | 676 |
| Q1 2025 | $5.1M | $3.6M | $3.4M | $1.5M | $15K | 1.22% | 5.21% | 1.24% | 666 |
| Q4 2024 | $5.0M | $3.5M | $3.5M | $1.5M | $22K | 0.44% | 5.85% | 1.55% | 661 |
| Q3 2024 | $4.9M | $3.5M | $3.3M | $1.5M | $17K | 0.46% | 5.75% | 0.56% | 670 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.8M | $3.4M | $3.2M | $1.5M | $12K | 0.50% | 5.78% | 1.58% | 672 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.6M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 80.6% | 21st |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Bibb, GA, ranked 21st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bibb, GA | 1 | $4.3M* | 0.07% | 21st |
Georgia: 267th with 0.00% · Macon-Bibb County metro: 28th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1