| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -5.5% | +0.9% | -6.4 pts |
| Loan growth (YoY) | -7.1% | -2.6% | -4.4 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 2.3% | 4.4% | -2.1 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.3M | $31.1M | $9.8M | $9.3M | $107K | 0.53% | 1.81% | 6.71% | 1,544 |
| Q1 2026 | $40.5M | $31.3M | $10.2M | $9.3M | $77K | 0.77% | 1.71% | 6.78% | 1,569 |
| Q4 2025 | $40.6M | $31.5M | $10.4M | $9.2M | $71K | 0.18% | 1.16% | 7.90% | 1,568 |
| Q3 2025 | $41.7M | $32.6M | $10.3M | $9.1M | $38K | 0.12% | 1.04% | 7.04% | 1,505 |
| Q2 2025 | $42.0M | $32.9M | $10.6M | $9.2M | $18K | 0.09% | 1.01% | 5.61% | 1,509 |
| Q1 2025 | $41.9M | $32.8M | $10.7M | $9.2M | $-10K | -0.10% | 0.82% | 5.58% | 1,506 |
| Q4 2024 | $43.4M | $33.4M | $10.5M | $9.2M | $-39K | -0.09% | 1.11% | 4.24% | 1,501 |
| Q3 2024 | $44.6M | $34.9M | $10.3M | $9.2M | $-54K | -0.16% | 1.05% | 4.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,500 |
| Q2 2024 | $46.5M | $36.7M | $9.9M | $9.3M | $-8K | -0.04% | 1.09% | 2.13% | 1,507 |
Loan mix (Q2 2026): real estate $1.4M · commercial $0 · consumer $6.9M · securities $26.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 80.6% | 29th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Russell, AL, ranked 8th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Russell, AL | 1 | $15.5M* | 1.41% | 8th |
| Collin, TX | 1 | $15.5M* | 0.03% | 105th |
Texas: 756th with 0.00% · Alabama: 209th with 0.01% · Columbus metro: 20th, 0.14% · Dallas-Fort Worth-Arlington metro: 249th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2