| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -33.1% | +1.3% | -34.4 pts |
| Share growth (YoY) | -30.5% | +0.9% | -31.5 pts |
| Loan growth (YoY) | -31.9% | -2.6% | -29.3 pts |
| ROA | -22.01% | 0.65% | -22.7 pts |
| ROE | -183.5% | 4.4% | -187.8 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $553K | $481K | $249K | $66K | $-61K | -22.01% | 3.38% | 21.98% | 250 |
| Q1 2026 | $638K | $513K | $275K | $120K | $-5K | -3.19% | 3.53% | 1.35% | 227 |
| Q4 2025 | $627K | $495K | $304K | $125K | $177 | 0.03% | 5.19% | 1.00% | 280 |
| Q3 2025 | $728K | $601K | $336K | $121K | $-4K | -0.73% | 4.50% | 0.00% | 283 |
| Q2 2025 | $826K | $692K | $365K | $128K | $3K | 0.79% | 4.56% | 0.48% | 260 |
| Q1 2025 | $810K | $680K | $373K | $127K | $2K | 0.86% | 4.70% | 0.08% | 265 |
| Q4 2024 | $800K | $673K | $339K | $125K | $10K | 1.23% | 4.78% | 0.46% | 264 |
| Q3 2024 | $792K | $665K | $339K | $124K | $9K | 1.50% | 5.02% | 0.00% | 263 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -22.01% | 0.65% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -183.5% | 4.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $837K | $710K | $387K | $123K | $7K | 1.73% | 4.96% | 0.00% | 264 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $249K · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 163.4% | 80.6% | 98th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Pulaski, AR, ranked 54th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pulaski, AR | 3 | $481K* | 0.00% | 54th |
Arkansas: 169th with 0.00% · Little Rock-North Little Rock-Conway metro: 67th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3