| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.1% | -0.9 pts |
| Share growth (YoY) | +3.0% | +3.5% | -0.6 pts |
| Loan growth (YoY) | +6.3% | +2.9% | +3.4 pts |
| ROA | 0.80% | 0.74% | +0.1 pts |
| ROE | 6.8% | 6.5% | +0.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $429.0M | $376.8M | $293.8M | $50.3M | $1.7M | 0.80% | 3.00% | 0.20% | 28,246 |
| Q1 2026 | $429.1M | $376.6M | $287.0M | $49.4M | $760K | 0.71% | 2.92% | 0.12% | 26,800 |
| Q4 2025 | $416.7M | $365.7M | $285.7M | $48.6M | $3.0M | 0.72% | 2.89% | 0.30% | 25,930 |
| Q3 2025 | $413.9M | $364.2M | $275.8M | $47.3M | $1.7M | 0.55% | 2.86% | 0.20% | 26,154 |
| Q2 2025 | $415.8M | $366.0M | $276.3M | $46.6M | $966K | 0.46% | 2.80% | 0.13% | 26,499 |
| Q1 2025 | $423.0M | $373.8M | $273.9M | $45.8M | $264K | 0.25% | 2.66% | 0.11% | 26,928 |
| Q4 2024 | $418.6M | $370.1M | $275.6M | $45.6M | $3.4M | 0.81% | 2.79% | 0.36% | 27,146 |
| Q3 2024 | $409.6M | $363.2M | $274.8M | $44.1M | $1.9M | 0.61% | 2.75% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.74% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 6.5% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 27,399 |
| Q2 2024 | $409.2M | $361.7M | $274.7M | $43.4M | $1.2M | 0.59% | 2.74% | 0.33% | 28,207 |
Loan mix (Q2 2026): real estate $34.8M · commercial $129.8M · consumer $127.6M · securities $52.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 77.5% | 47th |
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.
13 branches in 7 counties across 1 state (-2 vs 2025). Biggest market: Chatham, GA, ranked 17th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chatham, GA | 4 | $115.9M* | 1.19% | 17th |
| DeKalb, GA | 2 | $58.0M* | 0.30% | 32nd |
| Paulding, GA | 2 | $58.0M* | 2.46% | 13th |
| 4 more counties with Pro → | ||||
Georgia: 92nd with 0.09% · Atlanta-Sandy Springs-Roswell metro: 58th, 0.09% · Savannah metro: 23rd, 1.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 15 · 2023 14 · 2024 15 · 2025 15 · 2026 13