| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.2 pts |
| Loan growth (YoY) | +15.5% | -2.4% | +17.9 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 1.7% | 4.1% | -2.4 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.2M | $6.1M | $3.8M | $1.0M | $4K | 0.25% | 3.31% | 0.52% | 760 |
| Q4 2025 | $7.3M | $6.2M | $3.5M | $1.0M | $40K | 0.55% | 2.77% | 1.04% | 764 |
| Q3 2025 | $7.2M | $6.1M | $3.4M | $1.0M | $36K | 0.66% | 2.95% | 2.20% | 762 |
| Q2 2025 | $7.2M | $6.1M | $3.2M | $1.0M | $8K | 0.23% | 2.79% | 0.00% | 759 |
| Q1 2025 | $7.1M | $6.0M | $3.3M | $990K | $10K | 0.56% | 2.77% | 0.64% | 774 |
| Q4 2024 | $6.6M | $5.6M | $3.1M | $980K | $43K | 0.65% | 2.71% | 0.70% | 776 |
| Q3 2024 | $6.5M | $5.5M | $2.9M | $974K | $32K | 0.65% | 2.69% | 1.60% | 778 |
| Q2 2024 | $6.5M | $5.5M | $2.7M | $962K | $20K | 0.60% | 2.65% | 0.66% | 778 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.1M · securities $3.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.1% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 81.5% | 30th |
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 2024). Biggest market: Madison, FL, ranked 5th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, FL | 1 | $6.1M* | 1.86% | 5th |
Florida: 305th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1