| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +4.1% | -2.1 pts |
| Share growth (YoY) | +2.2% | +3.5% | -1.4 pts |
| Loan growth (YoY) | +2.1% | +2.9% | -0.8 pts |
| ROA | 0.73% | 0.74% | -0.0 pts |
| ROE | 3.4% | 6.5% | -3.0 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 | $143.6M | $110.7M | $64.5M | $30.4M | $523K | 0.73% | 4.04% | 0.37% | 11,662 |
| Q1 2026 | $143.5M | $110.5M | $63.8M | $30.2M | $256K | 0.71% | 4.00% | 0.13% | 11,611 |
| Q4 2025 | $140.2M | $108.2M | $63.9M | $29.9M | $1.5M | 1.10% | 4.29% | 0.30% | 11,802 |
| Q3 2025 | $138.2M | $106.4M | $64.8M | $29.5M | $1.1M | 1.04% | 4.35% | 0.21% | 12,070 |
| Q2 2025 | $140.7M | $108.4M | $63.2M | $29.2M | $741K | 1.05% | 4.22% | 0.20% | 12,291 |
| Q1 2025 | $138.9M | $107.2M | $60.8M | $28.8M | $323K | 0.93% | 4.20% | 0.14% | 12,333 |
| Q4 2024 | $132.6M | $102.2M | $62.0M | $28.4M | $1.7M | 1.29% | 4.48% | 0.27% | 12,500 |
| Q3 2024 | $132.2M | $100.9M | $63.1M | $28.1M | $1.3M | 1.31% | 4.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.74% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 6.5% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 12,779 |
| Q2 2024 | $132.6M | $101.9M | $65.0M | $27.6M | $761K | 1.15% | 4.40% | 0.33% | 12,913 |
Loan mix (Q2 2026): real estate $6.5M · commercial $9.9M · consumer $36.7M · securities $57.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 77.5% | 79th |
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.
3 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Hinds, MS, ranked 16th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hinds, MS | 1 | $36.9M* | 0.36% | 16th |
| Rankin, MS | 1 | $36.9M* | 0.77% | 18th |
| Madison, MS | 1 | $36.9M* | 0.53% | 18th |
Mississippi: 81st with 0.12% · Jackson metro: 26th, 0.44% · * Deposits estimated (total shares spread across branches).
Branch count: 2024 3 · 2025 3 · 2026 3