| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +1.3% | +8.7 pts |
| Share growth (YoY) | +6.2% | +0.9% | +5.3 pts |
| Loan growth (YoY) | -32.4% | -2.6% | -29.8 pts |
| ROA | 2.15% | 0.65% | +1.5 pts |
| ROE | 5.7% | 4.4% | +1.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153K | $95K | $7K | $58K | $2K | 2.15% | 4.29% | 0.00% | 209 |
| Q1 2026 | $147K | $94K | $9K | $53K | $446 | 1.21% | 4.63% | 3.08% | 280 |
| Q4 2025 | $145K | $92K | $8K | $53K | $3K | 2.13% | 4.36% | 41.86% | 280 |
| Q3 2025 | $140K | $89K | $9K | $51K | $2K | 1.57% | 4.53% | 4.52% | 206 |
| Q2 2025 | $139K | $89K | $10K | $49K | $-330 | -0.48% | 4.26% | 3.78% | 206 |
| Q1 2025 | $138K | $89K | $10K | $49K | $-204 | -0.59% | 4.77% | 34.60% | 203 |
| Q4 2024 | $138K | $87K | $15K | $49K | $116 | 0.08% | 2.60% | 59.27% | 190 |
| Q3 2024 | $137K | $85K | $17K | $50K | $926 | 0.90% | 3.16% | 4.97% | 181 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $135K |
| $85K |
| $17K |
| $49K |
| $-499 |
| -0.74% |
| 0.84% |
| 1.90% |
| 320 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7K · securities $104K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 80.6% | 7th |
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: Durham, NC, ranked 24th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Durham, NC | 1 | $95K* | 0.00% | 24th |
North Carolina: 175th with 0.00% · Durham-Chapel Hill metro: 29th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1