| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -5.5% | +0.9% | -6.5 pts |
| Loan growth (YoY) | -14.6% | -2.6% | -12.0 pts |
| ROA | 0.03% | 0.65% | -0.6 pts |
| ROE | 0.2% | 4.4% | -4.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.7M | $13.9M | $7.5M | $3.5M | $3K | 0.03% | 5.46% | 3.42% | 2,748 |
| Q1 2026 | $17.2M | $14.4M | $7.9M | $3.5M | $17K | 0.38% | 5.33% | 2.99% | 2,812 |
| Q4 2025 | $16.8M | $13.9M | $8.5M | $3.5M | $268K | 1.60% | 5.85% | 4.11% | 2,832 |
| Q3 2025 | $16.8M | $14.0M | $8.6M | $3.5M | $244K | 1.93% | 5.87% | 3.65% | 2,860 |
| Q2 2025 | $17.5M | $14.7M | $8.8M | $3.5M | $173K | 1.98% | 5.68% | 2.96% | 2,826 |
| Q1 2025 | $18.0M | $15.2M | $8.8M | $3.4M | $81K | 1.80% | 5.47% | 3.75% | 2,706 |
| Q4 2024 | $17.9M | $15.2M | $8.8M | $3.3M | $344K | 1.92% | 5.61% | 2.79% | 2,711 |
| Q3 2024 | $18.9M | $16.3M | $9.0M | $3.2M | $247K | 1.74% | 5.27% | 2.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,738 |
| Q2 2024 | $17.7M | $15.3M | $8.9M | $3.1M | $133K | 1.50% | 5.48% | 2.91% | 2,763 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.3M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 80.6% | 71st |
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: Adams, MS, ranked 7th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Adams, MS | 1 | $7.0M* | 0.94% | 7th |
| Collin, TX | 1 | $7.0M* | 0.02% | 120th |
Mississippi: 132nd with 0.01% · Texas: 828th with 0.00% · Dallas-Fort Worth-Arlington metro: 273rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2