| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | -0.0% | +0.9% | -0.9 pts |
| Loan growth (YoY) | +6.4% | -2.6% | +9.0 pts |
| ROA | 1.84% | 0.65% | +1.2 pts |
| ROE | 14.1% | 4.4% | +9.7 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.3M | $29.8M | $14.8M | $4.5M | $315K | 1.84% | 3.89% | 0.15% | 2,104 |
| Q1 2026 | $34.8M | $30.5M | $14.1M | $4.3M | $158K | 1.81% | 3.76% | 0.07% | 2,109 |
| Q4 2025 | $33.5M | $29.3M | $13.6M | $4.1M | $729K | 2.17% | 4.28% | 0.15% | 2,092 |
| Q3 2025 | $33.5M | $29.5M | $13.8M | $4.0M | $559K | 2.23% | 4.32% | 0.35% | 2,064 |
| Q2 2025 | $33.5M | $29.8M | $13.9M | $3.8M | $353K | 2.11% | 4.33% | 0.31% | 2,063 |
| Q1 2025 | $33.8M | $30.2M | $14.0M | $3.6M | $163K | 1.93% | 4.24% | 0.41% | 2,078 |
| Q4 2024 | $33.0M | $29.5M | $13.6M | $3.4M | $653K | 1.98% | 4.20% | 0.18% | 2,087 |
| Q3 2024 | $32.4M | $29.1M | $13.4M | $3.3M | $481K | 1.98% | 4.19% | 0.19% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 0.65% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 4.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,073 |
| Q2 2024 | $33.8M | $30.7M | $13.6M | $3.1M | $314K | 1.85% | 3.93% | 0.02% | 2,077 |
Loan mix (Q2 2026): real estate $7.8M · commercial $0 · consumer $6.9M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 80.6% | 11th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Buncombe, NC, ranked 25th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Buncombe, NC | 1 | $29.8M* | 0.30% | 25th |
North Carolina: 137th with 0.00% · Asheville metro: 26th, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1