| Metric | Nova Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.1% | -4.3 pts |
| Share growth (YoY) | -0.8% | +3.5% | -4.3 pts |
| Loan growth (YoY) | +0.8% | +2.9% | -2.1 pts |
| ROA | 0.36% | 0.74% | -0.4 pts |
| ROE | 2.0% | 6.5% | -4.5 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.7M | $99.5M | $76.3M | $21.3M | $215K | 0.36% | 3.91% | 0.56% | 11,173 |
| Q1 2026 | $120.6M | $100.2M | $76.9M | $21.2M | $122K | 0.40% | 3.93% | 0.42% | 11,107 |
| Q4 2025 | $120.7M | $99.6M | $76.7M | $20.6M | $395K | 0.33% | 3.86% | 0.25% | 11,048 |
| Q3 2025 | $117.7M | $97.3M | $75.4M | $20.5M | $333K | 0.38% | 3.92% | 0.63% | 10,985 |
| Q2 2025 | $121.0M | $100.3M | $75.6M | $20.4M | $177K | 0.29% | 3.76% | 0.58% | 11,038 |
| Q1 2025 | $121.8M | $101.8M | $74.0M | $20.3M | $9K | 0.03% | 3.64% | 0.66% | 11,026 |
| Q4 2024 | $120.3M | $100.5M | $72.4M | $20.2M | $121K | 0.10% | 3.68% | 0.71% | 11,028 |
| Q3 2024 | $119.7M | $99.8M | $72.0M | $20.2M | $117K | 0.13% | 3.67% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Nova Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.74% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 6.5% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 11,189 |
| Q2 2024 | $120.0M | $100.3M | $71.3M | $20.1M | $17K | 0.03% | 3.62% | 0.77% | 11,260 |
Loan mix (Q2 2026): real estate $38.8M · commercial $0 · consumer $36.0M · securities $24.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 77.5% | 93rd |
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 | Nova Credit Union | 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 | Nova Credit Union | 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 | Nova Credit Union | 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 | Nova Credit Union | 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 | Nova Credit Union | 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.
6 branches in 5 counties across 2 states (+0 vs 2025). Biggest market: Cabarrus, NC, ranked 15th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cabarrus, NC | 2 | $33.2M* | 0.70% | 15th |
| Johnson, KS | 1 | $16.6M* | 0.06% | 66th |
| Guilford, NC | 1 | $16.6M* | 0.09% | 38th |
| 2 more counties with Pro → | ||||
North Carolina: 102nd with 0.01% · Kansas: 272nd with 0.01% · Charlotte-Concord-Gastonia metro: 63rd, 0.01% · Kansas City metro: 136th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 6 · 2026 6