| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -6.9% | +0.9% | -7.8 pts |
| Loan growth (YoY) | -23.8% | -2.6% | -21.2 pts |
| ROA | 0.46% | 0.65% | -0.2 pts |
| ROE | 1.8% | 4.4% | -2.6 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.1M | $1.5M | $551K | $522K | $5K | 0.46% | 2.98% | 7.53% | 163 |
| Q1 2026 | $2.0M | $1.5M | $586K | $521K | $4K | 0.75% | 3.54% | 7.07% | 163 |
| Q4 2025 | $2.0M | $1.5M | $605K | $518K | $-27K | -1.32% | 2.13% | 3.87% | 162 |
| Q3 2025 | $2.1M | $1.5M | $608K | $525K | $-20K | -1.27% | 2.08% | 2.32% | 166 |
| Q2 2025 | $2.2M | $1.6M | $723K | $537K | $-8K | -0.73% | 1.90% | 4.34% | 169 |
| Q1 2025 | $2.2M | $1.6M | $732K | $540K | $-4K | -0.83% | 1.76% | 3.89% | 174 |
| Q4 2024 | $2.1M | $1.6M | $675K | $545K | $-19K | -0.89% | 1.75% | 4.59% | 176 |
| Q3 2024 | $2.1M | $1.5M | $702K | $554K | $-10K | -0.62% | 1.77% | 2.41% | 176 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.1M | $1.5M | $694K | $557K | $-6K | -0.62% | 1.82% | 3.92% | 175 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $548K · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 80.6% | 67th |
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: Hinds, MS, ranked 32nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hinds, MS | 1 | $1.5M* | 0.01% | 32nd |
Mississippi: 147th with 0.00% · Jackson metro: 51st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1