| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.6 pts |
| Loan growth (YoY) | -11.3% | -2.4% | -8.9 pts |
| ROA | -0.33% | 0.60% | -0.9 pts |
| ROE | -4.1% | 4.1% | -8.2 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.1M | $8.4M | $6.4M | $730K | $-8K | -0.33% | 6.52% | 1.86% | 3,082 |
| Q4 2025 | $8.6M | $7.9M | $6.6M | $778K | $-28K | -0.32% | 7.19% | 2.05% | 3,125 |
| Q3 2025 | $8.7M | $8.0M | $6.5M | $788K | $-19K | -0.29% | 7.23% | 1.53% | 3,127 |
| Q2 2025 | $8.6M | $7.9M | $6.8M | $797K | $-10K | -0.24% | 7.43% | 1.28% | 3,156 |
| Q1 2025 | $9.1M | $8.4M | $7.2M | $796K | $-11K | -0.48% | 7.16% | 1.30% | 3,213 |
| Q4 2024 | $9.2M | $8.4M | $7.6M | $852K | $6K | 0.07% | 7.96% | 1.56% | 3,331 |
| Q3 2024 | $10.1M | $9.3M | $7.6M | $848K | $2K | 0.03% | 7.33% | 1.10% | 3,315 |
| Q2 2024 | $10.6M | $9.9M | $7.6M | $862K | $3K | 0.06% | 7.03% | 1.34% | 3,355 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -4.1% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.4M · securities $308K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.7% | 81.5% | 87th |
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 2024). Biggest market: Harrisonburg (City), VA, ranked 18th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrisonburg (City), VA | 1 | $7.9M* | 0.27% | 18th |
Virginia: 202nd with 0.00% · Harrisonburg metro: 20th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1