| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +2.5% | +0.9% | +1.5 pts |
| Loan growth (YoY) | -1.9% | -2.6% | +0.7 pts |
| ROA | -0.85% | 0.65% | -1.5 pts |
| ROE | -1.7% | 4.4% | -6.1 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.3M | $639K | $536K | $661K | $-6K | -0.85% | 6.77% | 1.78% | 356 |
| Q1 2026 | $1.3M | $667K | $449K | $664K | $2K | 0.45% | 6.23% | 0.80% | 377 |
| Q4 2025 | $1.4M | $678K | $553K | $666K | $12K | 0.89% | 6.70% | 0.66% | 395 |
| Q3 2025 | $1.3M | $660K | $580K | $664K | $8K | 0.83% | 6.76% | 0.68% | 393 |
| Q2 2025 | $1.3M | $624K | $546K | $659K | $4K | 0.55% | 6.72% | 0.25% | 388 |
| Q1 2025 | $1.3M | $643K | $457K | $661K | $6K | 1.96% | 7.84% | 0.27% | 389 |
| Q4 2024 | $1.3M | $672K | $581K | $667K | $37K | 2.78% | 7.71% | 0.47% | 391 |
| Q3 2024 | $1.3M | $672K | $539K | $652K | $22K | 2.20% | 7.38% | 0.76% | 382 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.85% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.3M |
| $631K |
| $588K |
| $646K |
| $16K |
| 2.49% |
| 7.54% |
| 0.73% |
| 395 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $534K · securities $556K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 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 | 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: Adams, MS, ranked 9th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adams, MS | 1 | $639K* | 0.09% | 9th |
Mississippi: 152nd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1