| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +2.0% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.6 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.9M | $57.4M | $22.6M | $8.2M | $82K | 0.50% | 2.85% | 0.78% | 3,455 |
| Q4 2025 | $64.3M | $55.9M | $22.6M | $8.1M | $337K | 0.52% | 2.81% | 0.82% | 3,485 |
| Q3 2025 | $64.0M | $55.5M | $22.7M | $8.0M | $283K | 0.59% | 2.78% | 0.78% | 3,517 |
| Q2 2025 | $64.3M | $56.3M | $22.9M | $7.9M | $119K | 0.37% | 2.69% | 0.02% | 3,566 |
| Q1 2025 | $64.5M | $56.3M | $23.3M | $7.8M | $66K | 0.41% | 2.55% | 0.11% | 3,589 |
| Q4 2024 | $63.0M | $55.0M | $23.9M | $7.7M | $120K | 0.19% | 2.43% | 0.20% | 3,622 |
| Q3 2024 | $62.6M | $54.6M | $24.3M | $7.8M | $136K | 0.29% | 2.40% | 0.28% | 3,695 |
| Q2 2024 | $63.0M | $54.8M | $24.3M | $7.7M | $75K | 0.24% | 2.33% | 0.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,744 |
Loan mix (Q1 2026): real estate $15.9M · commercial $0 · consumer $5.9M · securities $34.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 81.5% | 45th |
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.
3 branches in 3 counties across 2 states (+0 vs 2024). Biggest market: Jefferson, KY, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, KY | 1 | $18.8M* | 0.05% | 40th |
| Clark, IN | 1 | $18.8M* | 0.50% | 17th |
| Floyd, IN | 1 | $18.8M* | 0.62% | 18th |
Indiana: 199th with 0.02% · Kentucky: 199th with 0.01% · Louisville/Jefferson County metro: 47th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3