| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +4.7% | — |
| Share growth (YoY) | — | +4.3% | — |
| Loan growth (YoY) | — | +4.3% | — |
| ROA | 0.15% | 0.75% | -0.6 pts |
| ROE | 1.5% | 6.9% | -5.4 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Not enough history yet.
Not enough history yet.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $698.2M | $614.7M | $562.1M | $71.2M | $522K | 0.15% | 3.60% | 1.32% | 45,532 |
Loan mix (Q2 2026): real estate $369.4M · commercial $77.0M · consumer $95.5M · securities $2.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (1q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | Not enough history yet. | 0.62% | — |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | Not enough history yet. | 5.9% | — |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | Not enough history yet. | 3.48% | — |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | Not enough history yet. | 78.3% | — |
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% |
Peer lists, growth filters, CSV export, CRM push.
| Ratio |
|---|
| Value |
|---|
| Trend (1q) |
|---|
| 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 (1q) | 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 (1q) | 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 (1q) | 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 (1q) | 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.
11 branches in 4 counties across 1 state.
| County | Branches | Deposits | Share | Rank |
|---|