| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | -0.6% | +0.9% | -1.6 pts |
| Loan growth (YoY) | +5.9% | -2.6% | +8.5 pts |
| ROA | 0.41% | 0.65% | -0.2 pts |
| ROE | 4.3% | 4.4% | -0.0 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.4M | $4.0M | $2.2M | $421K | $9K | 0.41% | 3.48% | 3.49% | 445 |
| Q1 2026 | $4.3M | $3.9M | $2.1M | $425K | $14K | 1.26% | 3.73% | 2.31% | 442 |
| Q4 2025 | $4.2M | $3.9M | $2.2M | $390K | $57K | 1.36% | 3.71% | 2.24% | 438 |
| Q3 2025 | $4.1M | $3.8M | $2.2M | $411K | $56K | 1.82% | 3.93% | 1.58% | 441 |
| Q2 2025 | $4.4M | $4.1M | $2.1M | $406K | $52K | 2.33% | 3.71% | 2.36% | 445 |
| Q1 2025 | $4.3M | $4.0M | $2.1M | $395K | $41K | 3.74% | 3.94% | 2.38% | 447 |
| Q4 2024 | $4.2M | $3.9M | $2.1M | $351K | $29K | 0.69% | 3.62% | 3.54% | 459 |
| Q3 2024 | $4.2M | $3.9M | $2.1M | $346K | $24K | 0.77% | 3.78% | 3.16% | 460 |
| Ratio | Muw Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.1M |
| $3.8M |
| $2.2M |
| $340K |
| $19K |
| 0.92% |
| 4.14% |
| 3.59% |
| 461 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 80.6% | 74th |
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 | Muw Federal Credit Union | 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 | Muw Federal Credit Union | 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 | Muw Federal Credit Union | 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 | Muw Federal Credit Union | 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 | Muw Federal Credit Union | 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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Lowndes, MS, ranked 14th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lowndes, MS | 2 | $4.0M* | 0.23% | 14th |
Mississippi: 141st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2