| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.1% | -1.8 pts |
| Share growth (YoY) | +1.0% | +3.5% | -2.6 pts |
| Loan growth (YoY) | -0.5% | +2.9% | -3.4 pts |
| ROA | 0.85% | 0.74% | +0.1 pts |
| ROE | 5.9% | 6.5% | -0.5 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $484.5M | $415.1M | $326.5M | $69.3M | $2.1M | 0.85% | 4.01% | 0.98% | 44,103 |
| Q1 2026 | $481.0M | $414.4M | $324.0M | $68.1M | $824K | 0.69% | 3.99% | 0.89% | 43,724 |
| Q4 2025 | $475.6M | $408.4M | $327.8M | $67.3M | $5.4M | 1.13% | 4.02% | 1.22% | 43,552 |
| Q3 2025 | $472.8M | $408.1M | $326.6M | $66.3M | $4.5M | 1.27% | 4.09% | 1.03% | 43,664 |
| Q2 2025 | $473.5M | $411.0M | $328.1M | $65.2M | $3.0M | 1.28% | 3.91% | 0.69% | 43,477 |
| Q1 2025 | $469.9M | $410.8M | $324.2M | $63.2M | $1.1M | 0.97% | 3.83% | 0.79% | 43,158 |
| Q4 2024 | $458.6M | $400.3M | $320.0M | $62.1M | $5.2M | 1.13% | 3.63% | 0.99% | 42,737 |
| Q3 2024 | $462.9M | $404.3M | $316.7M | $60.8M | $3.9M | 1.13% | 3.53% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.74% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.5% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 42,795 |
| Q2 2024 | $455.0M | $398.0M | $310.8M | $59.9M | $2.6M | 1.16% | 3.51% | 0.88% | 42,490 |
Loan mix (Q2 2026): real estate $65.0M · commercial $13.0M · consumer $237.9M · securities $82.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 77.5% | 32nd |
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.
10 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Bibb, GA, ranked 8th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bibb, GA | 6 | $249.0M* | 3.92% | 8th |
| Houston, GA | 3 | $124.5M* | 3.00% | 10th |
| Baldwin, GA | 1 | $41.5M* | 3.72% | 6th |
Georgia: 84th with 0.10% · Macon-Bibb County metro: 8th, 3.32% · Warner Robins metro: 10th, 2.65% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 10 · 2026 10