| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.1% | +4.7 pts |
| Share growth (YoY) | +9.3% | +3.5% | +5.8 pts |
| Loan growth (YoY) | +4.7% | +2.9% | +1.8 pts |
| ROA | 0.58% | 0.74% | -0.2 pts |
| ROE | 5.2% | 6.5% | -1.3 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $121.7M | $105.9M | $89.3M | $13.6M | $351K | 0.58% | 4.44% | 0.39% | 11,777 |
| Q1 2026 | $116.5M | $101.9M | $88.5M | $13.3M | $120K | 0.41% | 4.58% | 0.46% | 11,638 |
| Q4 2025 | $116.4M | $99.4M | $88.1M | $13.2M | $883K | 0.76% | 4.52% | 0.48% | 11,544 |
| Q3 2025 | $113.7M | $98.9M | $87.2M | $13.1M | $764K | 0.90% | 4.57% | 0.47% | 12,175 |
| Q2 2025 | $111.9M | $96.9M | $85.3M | $12.9M | $526K | 0.94% | 4.60% | 0.47% | 12,216 |
| Q1 2025 | $111.3M | $97.2M | $82.2M | $12.6M | $262K | 0.94% | 4.49% | 0.46% | 12,181 |
| Q4 2024 | $105.1M | $91.3M | $81.2M | $12.3M | $1.3M | 1.23% | 4.72% | 0.48% | 12,136 |
| Q3 2024 | $102.8M | $88.7M | $80.3M | $12.1M | $1.1M | 1.38% | 4.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.74% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 6.5% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 12,010 |
| Q2 2024 | $103.3M | $90.0M | $78.4M | $11.7M | $663K | 1.28% | 4.78% | 0.41% | 11,953 |
Loan mix (Q2 2026): real estate $57.3M · commercial $637K · consumer $29.0M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 77.5% | 83rd |
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.
5 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Stephens, GA, ranked 5th with 8.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stephens, GA | 2 | $42.4M* | 8.08% | 5th |
| Rabun, GA | 1 | $21.2M* | 2.79% | 8th |
| Hart, GA | 1 | $21.2M* | 3.61% | 6th |
| 1 more county with Pro → | ||||
Georgia: 190th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 5 · 2026 5