| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.1% | -0.3 pts |
| Share growth (YoY) | +2.5% | +3.5% | -1.0 pts |
| Loan growth (YoY) | -11.9% | +2.9% | -14.8 pts |
| ROA | 1.51% | 0.74% | +0.8 pts |
| ROE | 11.4% | 6.5% | +4.9 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $113.2M | $98.2M | $13.1M | $15.0M | $852K | 1.51% | 3.20% | 0.74% | 7,311 |
| Q1 2026 | $113.0M | $98.6M | $13.7M | $14.5M | $384K | 1.36% | 3.09% | 0.64% | 8,012 |
| Q4 2025 | $110.4M | $96.3M | $14.0M | $14.1M | $1.4M | 1.24% | 2.99% | 0.20% | 8,142 |
| Q3 2025 | $109.1M | $95.2M | $14.4M | $13.8M | $1.0M | 1.27% | 3.02% | 0.51% | 8,215 |
| Q2 2025 | $109.1M | $95.7M | $14.9M | $13.4M | $681K | 1.25% | 2.94% | 1.11% | 8,262 |
| Q1 2025 | $109.1M | $96.2M | $15.4M | $13.0M | $292K | 1.07% | 2.86% | 0.89% | 8,333 |
| Q4 2024 | $109.1M | $96.3M | $15.8M | $12.7M | $921K | 0.84% | 2.74% | 0.60% | 8,404 |
| Q3 2024 | $106.9M | $94.4M | $15.7M | $12.5M | $670K | 0.84% | 2.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.74% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 6.5% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 8,501 |
| Q2 2024 | $106.1M | $93.9M | $16.2M | $12.3M | $443K | 0.84% | 2.76% | 0.09% | 8,521 |
Loan mix (Q2 2026): real estate $229K · commercial $0 · consumer $12.0M · securities $72.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 77.5% | 12th |
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.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Mobile, AL, ranked 28th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mobile, AL | 3 | $73.6M* | 0.58% | 28th |
| Baldwin, AL | 1 | $24.5M* | 0.31% | 35th |
Alabama: 149th with 0.05% · Mobile metro: 28th, 0.58% · Daphne-Fairhope-Foley metro: 35th, 0.31% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4