| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.7% | +0.9% | -2.6 pts |
| Loan growth (YoY) | -4.9% | -2.6% | -2.2 pts |
| ROA | 0.10% | 0.65% | -0.5 pts |
| ROE | 0.3% | 4.4% | -4.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.9M | $3.6M | $2.0M | $2.3M | $3K | 0.10% | 4.67% | 0.16% | 1,109 |
| Q1 2026 | $5.9M | $3.7M | $2.0M | $2.3M | $3K | 0.17% | 4.66% | 0.43% | 1,118 |
| Q4 2025 | $6.0M | $3.7M | $2.1M | $2.2M | $45K | 0.75% | 5.11% | 0.20% | 1,137 |
| Q3 2025 | $6.2M | $3.9M | $2.1M | $2.2M | $30K | 0.65% | 4.95% | 0.27% | 1,157 |
| Q2 2025 | $5.9M | $3.7M | $2.1M | $2.2M | $10K | 0.34% | 5.10% | 0.14% | 1,171 |
| Q1 2025 | $6.0M | $3.8M | $1.7M | $2.2M | $3K | 0.22% | 4.84% | 1.99% | 1,196 |
| Q4 2024 | $6.0M | $3.6M | $2.0M | $2.2M | $27K | 0.45% | 4.54% | 2.18% | 1,235 |
| Q3 2024 | $6.2M | $4.0M | $2.0M | $2.2M | $31K | 0.67% | 4.23% | 1.09% | 1,266 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.4M | $4.2M | $2.2M | $2.2M | $19K | 0.58% | 3.94% | 1.26% | 1,278 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 80.6% | 72nd |
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: Harrison, MS, ranked 21st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrison, MS | 1 | $3.6M* | 0.05% | 21st |
Mississippi: 142nd with 0.00% · Gulfport-Biloxi metro: 30th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1