| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | +2.5% | -2.6% | +5.2 pts |
| ROA | 0.63% | 0.65% | -0.0 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.3M | $20.8M | $14.3M | $2.4M | $73K | 0.63% | 4.03% | 0.03% | 2,024 |
| Q1 2026 | $23.9M | $21.2M | $14.2M | $2.4M | $39K | 0.65% | 3.91% | 0.00% | 2,002 |
| Q4 2025 | $23.1M | $20.6M | $14.3M | $2.4M | $157K | 0.68% | 3.82% | 0.00% | 2,001 |
| Q3 2025 | $22.7M | $20.2M | $14.4M | $2.3M | $108K | 0.63% | 3.80% | 0.00% | 1,999 |
| Q2 2025 | $23.1M | $20.7M | $14.0M | $2.3M | $72K | 0.62% | 3.63% | 0.38% | 2,009 |
| Q1 2025 | $23.0M | $20.7M | $13.4M | $2.2M | $30K | 0.52% | 3.45% | 0.48% | 2,002 |
| Q4 2024 | $22.4M | $20.0M | $13.6M | $2.2M | $172K | 0.77% | 3.53% | 0.00% | 1,992 |
| Q3 2024 | $22.4M | $20.2M | $13.4M | $2.2M | $141K | 0.84% | 3.54% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,991 |
| Q2 2024 | $21.7M | $19.4M | $12.9M | $2.1M | $101K | 0.93% | 3.63% | 0.08% | 2,013 |
Loan mix (Q2 2026): real estate $6.5M · commercial $0 · consumer $7.2M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 80.6% | 50th |
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: Calloway, KY, ranked 9th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Calloway, KY | 2 | $20.8M* | 1.69% | 9th |
Kentucky: 193rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2