| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.0% | +1.3% | -11.3 pts |
| Share growth (YoY) | -12.9% | +0.9% | -13.8 pts |
| Loan growth (YoY) | +4.0% | -2.6% | +6.7 pts |
| ROA | 0.25% | 0.65% | -0.4 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.4M | $3.4M | $870K | $1.0M | $6K | 0.25% | 1.39% | 0.00% | 331 |
| Q1 2026 | $4.5M | $3.5M | $866K | $1.0M | $2K | 0.15% | 1.57% | 0.40% | 335 |
| Q4 2025 | $4.8M | $3.8M | $941K | $1.0M | $7K | 0.15% | 1.77% | 3.48% | 342 |
| Q3 2025 | $4.9M | $3.8M | $823K | $1.0M | $6K | 0.16% | 1.75% | 0.00% | 344 |
| Q2 2025 | $4.9M | $3.9M | $836K | $1.0M | $4K | 0.15% | 1.78% | 0.00% | 341 |
| Q1 2025 | $4.9M | $3.8M | $815K | $1.0M | $2K | 0.14% | 1.43% | 0.00% | 343 |
| Q4 2024 | $4.8M | $3.8M | $834K | $1.0M | $6K | 0.13% | 1.49% | 0.00% | 341 |
| Q3 2024 | $4.7M | $3.7M | $870K | $1.0M | $6K | 0.17% | 1.50% | 0.00% | 348 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.7M |
| $3.7M |
| $883K |
| $1.0M |
| $4K |
| 0.15% |
| 1.57% |
| 0.74% |
| 349 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $667K · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.1% | 80.6% | 89th |
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: Lauderdale, MS, ranked 16th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lauderdale, MS | 1 | $3.4M* | 0.14% | 16th |
Mississippi: 143rd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1