| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | +0.3% | +0.9% | -0.6 pts |
| Loan growth (YoY) | -2.0% | -2.6% | +0.6 pts |
| ROA | -0.42% | 0.65% | -1.1 pts |
| ROE | -2.2% | 4.4% | -6.5 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.4M | $10.2M | $7.6M | $2.4M | $-26K | -0.42% | 4.63% | 2.65% | 2,272 |
| Q1 2026 | $12.6M | $10.3M | $7.6M | $2.4M | $5K | 0.17% | 4.71% | 2.73% | 2,258 |
| Q4 2025 | $12.1M | $9.9M | $7.5M | $2.4M | $61K | 0.50% | 4.71% | 1.54% | 2,253 |
| Q3 2025 | $12.7M | $10.4M | $7.5M | $2.5M | $98K | 1.03% | 4.45% | 2.49% | 2,231 |
| Q2 2025 | $12.4M | $10.2M | $7.8M | $2.4M | $66K | 1.06% | 4.43% | 1.64% | 2,230 |
| Q1 2025 | $12.3M | $10.1M | $7.6M | $2.4M | $31K | 1.01% | 4.50% | 1.58% | 2,195 |
| Q4 2024 | $11.6M | $9.6M | $7.7M | $2.4M | $58K | 0.50% | 4.39% | 1.56% | 2,201 |
| Q3 2024 | $11.7M | $9.6M | $7.7M | $2.3M | $31K | 0.36% | 4.29% | 1.72% | 2,225 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -2.2% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.7M | $9.7M | $7.5M | $2.3M | $-11K | -0.18% | 4.22% | 1.09% | 2,227 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.5M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 80.6% | 37th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Chatham, GA, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chatham, GA | 2 | $10.2M* | 0.10% | 32nd |
Georgia: 254th with 0.00% · Savannah metro: 36th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2