| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +2.2% | +0.9% | +1.2 pts |
| Loan growth (YoY) | -11.7% | -2.6% | -9.0 pts |
| ROA | 0.15% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.0M | $39.9M | $29.0M | $6.8M | $36K | 0.15% | 4.88% | 3.24% | 8,671 |
| Q1 2026 | $47.3M | $40.3M | $30.0M | $6.8M | $29K | 0.24% | 4.93% | 2.32% | 8,873 |
| Q4 2025 | $45.8M | $38.9M | $30.5M | $6.8M | $527K | 1.15% | 5.54% | 3.50% | 8,545 |
| Q3 2025 | $45.8M | $39.0M | $31.6M | $6.7M | $463K | 1.35% | 5.58% | 2.47% | 8,784 |
| Q2 2025 | $45.7M | $39.0M | $32.8M | $6.5M | $151K | 0.66% | 5.18% | 3.24% | 8,779 |
| Q1 2025 | $46.0M | $39.4M | $33.8M | $6.5M | $73K | 0.63% | 4.95% | 3.80% | 8,768 |
| Q4 2024 | $44.7M | $38.2M | $34.4M | $6.4M | $347K | 0.78% | 5.09% | 3.65% | 8,762 |
| Q3 2024 | $44.9M | $38.5M | $35.1M | $6.3M | $281K | 0.83% | 5.01% | 2.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.65% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,744 |
| Q2 2024 | $46.6M | $40.0M | $35.9M | $6.3M | $135K | 0.58% | 4.83% | 3.27% | 8,728 |
Loan mix (Q2 2026): real estate $1.9M · commercial $0 · consumer $25.2M · securities $9.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 80.6% | 21st |
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 3 counties across 1 state (+1 vs 2025). Biggest market: Berkeley, WV, ranked 12th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berkeley, WV | 2 | $19.9M* | 0.82% | 12th |
| Raleigh, WV | 1 | $10.0M* | 0.54% | 16th |
| Wood, WV | 1 | $10.0M* | 0.36% | 14th |
West Virginia: 92nd with 0.08% · Hagerstown-Martinsburg metro: 23rd, 0.28% · Parkersburg-Vienna metro: 15th, 0.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4