| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +0.8% | +0.9% | -0.1 pts |
| Loan growth (YoY) | -10.3% | -2.6% | -7.7 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 4.0% | 4.4% | -0.3 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.7M | $14.5M | $8.7M | $2.2M | $45K | 0.53% | 4.16% | 2.87% | 1,602 |
| Q1 2026 | $17.0M | $14.7M | $9.0M | $2.2M | $11K | 0.27% | 4.09% | 2.47% | 1,603 |
| Q4 2025 | $17.2M | $14.9M | $9.6M | $2.2M | $147K | 0.85% | 4.09% | 2.51% | 1,702 |
| Q3 2025 | $16.7M | $14.5M | $9.7M | $2.2M | $140K | 1.12% | 4.23% | 4.48% | 1,611 |
| Q2 2025 | $16.5M | $14.4M | $9.7M | $2.1M | $105K | 1.27% | 4.19% | 1.64% | 1,671 |
| Q1 2025 | $16.4M | $14.3M | $9.9M | $2.1M | $49K | 1.19% | 4.45% | 2.98% | 1,720 |
| Q4 2024 | $16.5M | $14.4M | $10.0M | $2.1M | $65K | 0.39% | 3.38% | 4.10% | 1,810 |
| Q3 2024 | $16.6M | $14.6M | $10.4M | $2.0M | $23K | 0.19% | 3.14% | 3.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,752 |
| Q2 2024 | $16.6M | $14.5M | $10.6M | $2.0M | $6K | 0.07% | 3.01% | 4.37% | 1,854 |
Loan mix (Q2 2026): real estate $1.7M · commercial $0 · consumer $6.1M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 80.6% | 31st |
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: Mobile, AL, ranked 43rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mobile, AL | 1 | $14.5M* | 0.11% | 43rd |
Alabama: 211th with 0.01% · Mobile metro: 43rd, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1