| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.1% | +2.5 pts |
| Share growth (YoY) | +5.9% | +3.5% | +2.3 pts |
| Loan growth (YoY) | -2.1% | +2.9% | -4.9 pts |
| ROA | 1.45% | 0.74% | +0.7 pts |
| ROE | 6.2% | 6.5% | -0.3 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.6M | $141.8M | $118.4M | $43.5M | $1.3M | 1.45% | 5.36% | 0.55% | 21,013 |
| Q1 2026 | $188.1M | $144.7M | $117.5M | $42.8M | $681K | 1.45% | 5.21% | 0.52% | 21,084 |
| Q4 2025 | $178.5M | $134.8M | $119.8M | $39.0M | $5.8M | 3.26% | 5.57% | 0.61% | 21,178 |
| Q3 2025 | $173.9M | $134.1M | $122.4M | $36.9M | $3.8M | 2.90% | 5.58% | 0.67% | 21,438 |
| Q2 2025 | $174.1M | $133.9M | $120.9M | $36.0M | $2.7M | 3.15% | 5.62% | 0.61% | 26,100 |
| Q1 2025 | $167.6M | $130.6M | $112.3M | $35.1M | $565K | 1.35% | 5.60% | 0.58% | 20,172 |
| Q4 2024 | $158.8M | $122.0M | $103.9M | $34.6M | $3.3M | 2.09% | 5.88% | 0.62% | 20,088 |
| Q3 2024 | $156.2M | $122.9M | $102.8M | $34.3M | $2.3M | 2.00% | 5.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.74% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 6.5% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.36% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 19,653 |
| Q2 2024 | $156.6M | $124.9M | $102.7M | $33.3M | $1.4M | 1.75% | 5.85% | 0.66% | 19,727 |
Loan mix (Q2 2026): real estate $13.9M · commercial $100K · consumer $101.5M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 77.5% | 52nd |
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.
5 branches in 5 counties across 1 state (+0 vs 2025). Biggest market: Pike, MS, ranked 6th with 2.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pike, MS | 1 | $28.4M* | 2.68% | 6th |
| Scott, MS | 1 | $28.4M* | 3.96% | 7th |
| Rankin, MS | 1 | $28.4M* | 0.59% | 21st |
| 2 more counties with Pro → | ||||
Mississippi: 73rd with 0.15% · Jackson metro: 25th, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 5 · 2026 5