| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.3 pts |
| Loan growth (YoY) | -12.6% | -2.6% | -10.0 pts |
| ROA | 1.75% | 0.65% | +1.1 pts |
| ROE | 9.6% | 4.4% | +5.2 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.2M | $24.3M | $7.7M | $5.3M | $255K | 1.75% | 4.55% | 0.10% | 5,131 |
| Q1 2026 | $30.1M | $24.8M | $8.0M | $5.2M | $103K | 1.37% | 4.25% | 0.72% | 5,084 |
| Q4 2025 | $29.5M | $24.3M | $8.8M | $5.0M | $438K | 1.49% | 4.73% | 0.94% | 5,128 |
| Q3 2025 | $29.6M | $24.5M | $8.7M | $4.9M | $304K | 1.37% | 4.72% | 0.83% | 5,124 |
| Q2 2025 | $30.5M | $25.4M | $8.8M | $4.8M | $189K | 1.24% | 4.57% | 0.55% | 5,202 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.5M · securities $17.9M
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.88% | 77th | |
Efficiency ratio |
Peer lists, growth filters, CSV export, CRM push.
| 74.2% |
| 80.6% |
35th |
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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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.
3 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Hinds, MS, ranked 24th with 0.2% of deposits.
Mississippi: 119th with 0.02% · Wisconsin: 303rd with 0.00% · Jackson metro: 40th, 0.06% · Madison metro: 56th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 1 · 2026 3