| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -3.9% | +0.9% | -4.8 pts |
| Loan growth (YoY) | -2.4% | -2.6% | +0.2 pts |
| ROA | -0.58% | 0.65% | -1.2 pts |
| ROE | -2.3% | 4.4% | -6.7 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.4M | $7.8M | $2.5M | $2.6M | $-30K | -0.58% | 3.69% | 1.46% | 1,459 |
| Q1 2026 | $10.4M | $7.8M | $2.5M | $2.6M | $-31K | -1.19% | 3.84% | 3.81% | 1,622 |
| Q4 2025 | $10.4M | $7.7M | $2.4M | $2.7M | $-53K | -0.51% | 4.11% | 0.16% | 1,629 |
| Q3 2025 | $10.6M | $7.9M | $2.3M | $2.7M | $-51K | -0.64% | 4.07% | 4.38% | 1,638 |
| Q2 2025 | $10.8M | $8.1M | $2.5M | $2.7M | $-54K | -1.00% | 4.00% | 4.21% | 1,644 |
| Q1 2025 | $10.7M | $8.0M | $2.6M | $2.7M | $-49K | -1.84% | 3.94% | 4.33% | 1,673 |
| Q4 2024 | $10.9M | $8.1M | $2.7M | $2.7M | $-43K | -0.40% | 4.21% | 7.81% | 1,682 |
| Q3 2024 | $11.0M | $8.3M | $2.6M | $2.7M | $-31K | -0.37% | 4.22% | 4.34% |
| Ratio | Opp-Micolas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.58% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.3% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,704 |
| Q2 2024 | $11.3M | $8.6M | $2.6M | $2.7M | $-45K | -0.79% | 3.91% | 5.93% | 1,591 |
Loan mix (Q2 2026): real estate $1.1M · commercial $57K · consumer $1.1M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.1% | 80.6% | 94th |
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 | Opp-Micolas 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 | Opp-Micolas 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 | Opp-Micolas 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 | Opp-Micolas 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 | Opp-Micolas 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Covington, AL, ranked 10th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Covington, AL | 1 | $7.8M* | 0.63% | 10th |
Alabama: 226th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1