| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +3.5% | +0.9% | +2.6 pts |
| Loan growth (YoY) | +13.7% | -2.6% | +16.4 pts |
| ROA | 2.24% | 0.65% | +1.6 pts |
| ROE | 18.1% | 4.4% | +13.7 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 | $12.0M | $10.5M | $7.3M | $1.5M | $134K | 2.24% | 4.76% | 0.78% | 766 |
| Q1 2026 | $11.8M | $10.4M | $6.8M | $1.4M | $60K | 2.03% | 4.74% | 0.53% | 756 |
| Q4 2025 | $11.7M | $10.4M | $6.8M | $1.4M | $201K | 1.71% | 4.44% | 0.94% | 750 |
| Q3 2025 | $11.2M | $9.8M | $6.7M | $1.3M | $163K | 1.94% | 4.58% | 0.99% | 760 |
| Q2 2025 | $11.4M | $10.1M | $6.4M | $1.3M | $99K | 1.73% | 4.34% | 1.17% | 759 |
| Q1 2025 | $11.0M | $9.8M | $6.2M | $1.2M | $48K | 1.75% | 4.49% | 0.23% | 757 |
| Q4 2024 | $10.2M | $9.0M | $6.3M | $1.2M | $145K | 1.43% | 4.11% | 0.27% | 749 |
| Q3 2024 | $10.5M | $9.2M | $6.0M | $1.1M | $115K | 1.46% | 3.90% | 0.38% | 741 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.24% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.5M | $9.3M | $5.9M | $1.1M | $72K | 1.38% | 3.75% | 0.00% | 740 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.3M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 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: Marshall, WV, ranked 9th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marshall, WV | 1 | $10.5M* | 1.12% | 9th |
West Virginia: 125th with 0.02% · Wheeling metro: 19th, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1