| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.8 pts |
| Share growth (YoY) | +2.7% | +0.9% | +1.7 pts |
| Loan growth (YoY) | -0.3% | -2.6% | +2.3 pts |
| ROA | 1.80% | 0.65% | +1.2 pts |
| ROE | 9.1% | 4.4% | +4.8 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.2M | $54.2M | $39.6M | $13.5M | $616K | 1.80% | 4.32% | 0.61% | 8,632 |
| Q1 2026 | $69.8M | $56.2M | $39.1M | $13.1M | $281K | 1.61% | 4.11% | 0.33% | 8,574 |
| Q4 2025 | $67.3M | $53.8M | $39.6M | $12.9M | $1.3M | 1.97% | 4.42% | 0.35% | 8,462 |
| Q3 2025 | $64.9M | $51.8M | $40.1M | $12.6M | $1.0M | 2.13% | 4.57% | 0.54% | 8,430 |
| Q2 2025 | $65.6M | $52.8M | $39.7M | $12.3M | $771K | 2.35% | 4.46% | 0.60% | 8,450 |
| Q1 2025 | $65.6M | $53.2M | $39.9M | $11.9M | $373K | 2.28% | 4.36% | 0.67% | 8,365 |
| Q4 2024 | $61.7M | $49.7M | $40.0M | $11.6M | $1.7M | 2.83% | 4.86% | 0.62% | 8,264 |
| Q3 2024 | $62.4M | $50.8M | $39.4M | $11.2M | $1.4M | 2.92% | 4.85% | 0.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,247 |
| Q2 2024 | $64.3M | $52.5M | $40.3M | $10.8M | $911K | 2.83% | 4.63% | 0.42% | 8,191 |
Loan mix (Q2 2026): real estate $111K · commercial $0 · consumer $37.9M · securities $189K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 80.6% | 21st |
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.
12 branches in 11 counties across 7 states (-1 vs 2025). Biggest market: Mississippi, AR, ranked 8th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mississippi, AR | 2 | $9.0M* | 0.98% | 8th |
| Shelby, TN | 1 | $4.5M* | 0.01% | 66th |
| Berkeley, SC | 1 | $4.5M* | 0.12% | 25th |
| 8 more counties with Pro → | ||||
South Carolina: 128th with 0.01% · Alabama: 220th with 0.01% · Arkansas: 149th with 0.01% · New York: 427th with 0.00% · Tennessee: 296th with 0.00% · North Carolina: 170th with 0.00% · Louisiana: 224th with 0.00% · Florence metro: 27th, 0.17% · Tuscaloosa metro: 39th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 12 · 2024 12 · 2025 13 · 2026 12