| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -3.5% | +0.9% | -4.4 pts |
| Loan growth (YoY) | +0.4% | -2.6% | +3.0 pts |
| ROA | 0.44% | 0.65% | -0.2 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.7M | $33.7M | $20.5M | $3.7M | $82K | 0.44% | 4.30% | 0.49% | 4,168 |
| Q1 2026 | $37.9M | $34.0M | $19.7M | $3.6M | $10K | 0.10% | 4.36% | 0.67% | 4,183 |
| Q4 2025 | $38.2M | $34.6M | $19.9M | $3.6M | $271K | 0.71% | 4.37% | 0.79% | 4,224 |
| Q3 2025 | $38.0M | $34.4M | $20.3M | $3.5M | $218K | 0.77% | 4.32% | 0.33% | 4,251 |
| Q2 2025 | $38.4M | $34.9M | $20.4M | $3.5M | $168K | 0.87% | 4.18% | 1.34% | 4,283 |
| Q1 2025 | $39.0M | $35.6M | $21.2M | $3.4M | $45K | 0.46% | 3.93% | 1.10% | 4,310 |
| Q4 2024 | $38.8M | $33.2M | $21.8M | $3.3M | $183 | 0.00% | 3.36% | 1.07% | 4,338 |
| Q3 2024 | $40.8M | $37.3M | $22.5M | $3.3M | $30K | 0.10% | 3.09% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,355 |
| Q2 2024 | $41.6M | $38.3M | $22.2M | $3.3M | $-18K | -0.08% | 2.95% | 0.00% | 4,379 |
Loan mix (Q2 2026): real estate $7.7M · commercial $0 · consumer $11.3M · securities $11.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 80.6% | 61st |
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: Monongalia, WV, ranked 16th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monongalia, WV | 1 | $33.7M* | 0.62% | 16th |
West Virginia: 99th with 0.06% · Morgantown metro: 17th, 0.56% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1