| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +8.7% | +0.9% | +7.8 pts |
| Loan growth (YoY) | -32.4% | -2.6% | -29.8 pts |
| ROA | 0.50% | 0.65% | -0.2 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68K | $52K | $7K | $16K | $169 | 0.50% | 2.81% | 0.00% | 32 |
| Q1 2026 | $66K | $50K | $10K | $16K | $262 | 1.58% | 3.25% | 0.00% | 32 |
| Q4 2025 | $64K | $48K | $14K | $16K | $6 | 0.01% | 2.28% | 0.00% | 32 |
| Q3 2025 | $66K | $50K | $8K | $15K | $-776 | -1.58% | 3.26% | 0.00% | 32 |
| Q2 2025 | $63K | $48K | $10K | $15K | $-906 | -2.88% | 3.72% | 0.00% | 34 |
| Q1 2025 | $62K | $45K | $13K | $16K | $8 | 0.05% | 4.15% | 8.28% | 33 |
| Q4 2024 | $103K | $87K | $16K | $16K | $77 | 0.07% | 2.17% | 6.88% | 32 |
| Q3 2024 | $104K | $88K | $15K | $16K | $368 | 0.47% | 2.88% | 7.39% | 32 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $102K |
| $86K |
| $16K |
| $16K |
| $-58 |
| -0.11% |
| 2.98% |
| 3.18% |
| 35 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7K · securities $260
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 80.6% | 70th |
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: Mercer, WV, ranked 10th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mercer, WV | 1 | $52K* | 0.00% | 10th |
West Virginia: 150th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1