| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -25.4% | +1.3% | -26.7 pts |
| Share growth (YoY) | -20.2% | +0.9% | -21.2 pts |
| Loan growth (YoY) | -44.5% | -2.6% | -41.9 pts |
| ROA | -1.17% | 0.65% | -1.8 pts |
| ROE | -16.4% | 4.4% | -20.8 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.1M | $1.0M | $402K | $78K | $-6K | -1.17% | 2.91% | 15.99% | 920 |
| Q1 2026 | $1.3M | $1.1M | $543K | $188K | $-369 | -0.11% | 3.67% | 42.18% | 923 |
| Q4 2025 | $1.4M | $1.2M | $606K | $193K | $3K | 0.22% | 4.01% | 43.46% | 778 |
| Q3 2025 | $1.4M | $1.2M | $638K | $196K | $6K | 0.61% | 4.39% | 35.58% | 775 |
| Q2 2025 | $1.5M | $1.3M | $725K | $189K | $-726 | -0.10% | 3.91% | 26.77% | 778 |
| Q1 2025 | $1.4M | $1.2M | $766K | $189K | $-551 | -0.16% | 4.24% | 19.42% | 776 |
| Q4 2024 | $1.3M | $1.1M | $819K | $189K | $-15K | -1.11% | 4.84% | 18.95% | 781 |
| Q3 2024 | $1.3M | $1.1M | $859K | $202K | $-2K | -0.16% | 4.95% | 16.86% | 762 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.17% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -16.4% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.4M | $1.2M | $871K | $209K | $5K | 0.66% | 6.10% | 8.68% | 767 |
Loan mix (Q2 2026): real estate $0 · commercial $18K · consumer $384K · securities $10K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.2% | 80.6% | 95th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Hillsborough, FL, ranked 80th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hillsborough, FL | 1 | $509K* | 0.00% | 80th |
| Jefferson, AL | 1 | $509K* | 0.00% | 67th |
Alabama: 252nd with 0.00% · Florida: 331st with 0.00% · Tampa-St. Petersburg-Clearwater metro: 96th, 0.00% · Birmingham metro: 99th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2