| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.5 pts |
| Loan growth (YoY) | -9.9% | -2.6% | -7.3 pts |
| ROA | 1.28% | 0.65% | +0.6 pts |
| ROE | 14.7% | 4.4% | +10.3 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.5M | $40.7M | $30.8M | $3.8M | $279K | 1.28% | 3.65% | 1.53% | 2,980 |
| Q1 2026 | $43.5M | $40.6M | $31.5M | $3.7M | $63K | 0.58% | 3.67% | 0.46% | 2,980 |
| Q4 2025 | $42.9M | $39.5M | $32.5M | $3.6M | $461K | 1.07% | 3.53% | 1.24% | 2,957 |
| Q3 2025 | $43.0M | $40.0M | $33.8M | $3.6M | $371K | 1.15% | 4.02% | 2.84% | 2,946 |
| Q2 2025 | $43.2M | $40.1M | $34.2M | $3.4M | $289K | 1.34% | 3.98% | 2.48% | 2,919 |
| Q1 2025 | $42.4M | $40.0M | $34.4M | $3.1M | $70K | 0.66% | 3.31% | 3.01% | 2,883 |
| Q4 2024 | $41.7M | $39.2M | $34.7M | $3.1M | $265K | 0.64% | 2.92% | 3.36% | 2,844 |
| Q3 2024 | $43.5M | $41.0M | $34.6M | $3.1M | $193K | 0.59% | 2.71% | 3.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 4.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,813 |
| Q2 2024 | $43.0M | $40.9M | $34.2M | $3.0M | $-47K | -0.22% | 2.62% | 2.66% | 2,784 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $26.5M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 80.6% | 7th |
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: Rankin, MS, ranked 16th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rankin, MS | 2 | $40.7M* | 0.85% | 16th |
Mississippi: 102nd with 0.04% · Jackson metro: 30th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2