| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.1% | +0.9% | -1.0 pts |
| Loan growth (YoY) | -5.6% | -2.6% | -2.9 pts |
| ROA | 0.33% | 0.65% | -0.3 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $92.5M | $83.6M | $41.7M | $10.2M | $155K | 0.33% | 3.32% | 0.18% | 8,783 |
| Q1 2026 | $92.8M | $83.8M | $42.7M | $10.2M | $69K | 0.30% | 3.23% | 0.23% | 8,840 |
| Q4 2025 | $92.8M | $84.0M | $43.9M | $10.1M | $253K | 0.27% | 3.24% | 0.73% | 8,900 |
| Q3 2025 | $91.7M | $83.1M | $45.3M | $10.0M | $140K | 0.20% | 3.24% | 0.40% | 8,932 |
| Q2 2025 | $91.8M | $83.6M | $44.1M | $9.9M | $82K | 0.18% | 3.15% | 0.32% | 8,949 |
| Q1 2025 | $92.4M | $84.8M | $44.7M | $9.9M | $65K | 0.28% | 3.08% | 0.03% | 9,027 |
| Q4 2024 | $89.0M | $81.7M | $46.0M | $9.9M | $223K | 0.25% | 3.07% | 0.24% | 9,065 |
| Q3 2024 | $93.5M | $85.2M | $47.1M | $9.8M | $117K | 0.17% | 2.88% | 0.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.65% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 9,104 |
| Q2 2024 | $92.0M | $85.0M | $46.3M | $9.7M | $82K | 0.18% | 2.88% | 0.01% | 9,045 |
Loan mix (Q2 2026): real estate $8.3M · commercial $370K · consumer $33.0M · securities $39.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 80.6% | 71st |
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.
7 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Broward, FL, ranked 50th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broward, FL | 7 | $83.6M* | 0.11% | 50th |
Florida: 247th with 0.01% · Miami-Fort Lauderdale-West Palm Beach metro: 93rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2023 7 · 2024 7 · 2025 7 · 2026 7