| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -6.4% | -2.6% | -3.8 pts |
| ROA | 0.43% | 0.65% | -0.2 pts |
| ROE | 4.4% | 4.4% | -0.0 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.5M | $14.7M | $6.5M | $1.6M | $36K | 0.43% | 3.51% | 0.01% | 1,556 |
| Q1 2026 | $16.4M | $14.7M | $6.8M | $1.6M | $9K | 0.22% | 3.50% | 0.00% | 1,562 |
| Q4 2025 | $16.7M | $14.8M | $7.0M | $1.6M | $104K | 0.63% | 3.62% | 0.00% | 1,565 |
| Q3 2025 | $16.8M | $15.1M | $6.9M | $1.6M | $75K | 0.60% | 3.61% | 0.06% | 1,567 |
| Q2 2025 | $17.0M | $15.4M | $7.0M | $1.5M | $44K | 0.52% | 3.67% | 0.27% | 1,581 |
| Q1 2025 | $16.9M | $15.3M | $7.0M | $1.5M | $23K | 0.55% | 3.71% | 0.21% | 1,598 |
| Q4 2024 | $16.5M | $14.9M | $7.4M | $1.5M | $11K | 0.07% | 3.00% | 0.00% | 1,596 |
| Q3 2024 | $15.5M | $13.9M | $7.4M | $1.5M | $25K | 0.21% | 3.12% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,592 |
| Q2 2024 | $15.4M | $13.8M | $7.5M | $1.5M | $16K | 0.21% | 2.97% | 0.00% | 1,596 |
Loan mix (Q2 2026): real estate $1.5M · commercial $0 · consumer $4.1M · securities $5.2M
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: Shelby, AL, ranked 38th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, AL | 1 | $7.4M* | 0.12% | 38th |
| Davison, SD | 1 | $7.4M* | 0.61% | 10th |
South Dakota: 114th with 0.00% · Alabama: 227th with 0.00% · Birmingham metro: 86th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2