| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -1.9% | +0.9% | -2.8 pts |
| Loan growth (YoY) | +1.9% | -2.6% | +4.5 pts |
| ROA | 0.53% | 0.65% | -0.1 pts |
| ROE | 2.0% | 4.4% | -2.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.0M | $1.5M | $1.5M | $520K | $5K | 0.53% | 5.96% | 0.84% | 717 |
| Q1 2026 | $2.0M | $1.4M | $1.5M | $521K | $6K | 1.30% | 5.67% | 0.81% | 711 |
| Q4 2025 | $1.9M | $1.4M | $1.6M | $515K | $25K | 1.27% | 5.74% | 0.66% | 712 |
| Q3 2025 | $1.9M | $1.4M | $1.5M | $521K | $31K | 2.12% | 5.49% | 0.72% | 712 |
| Q2 2025 | $2.0M | $1.5M | $1.5M | $517K | $25K | 2.54% | 5.30% | 1.82% | 688 |
| Q1 2025 | $2.0M | $1.5M | $1.5M | $498K | $7K | 1.50% | 5.04% | 0.30% | 682 |
| Q4 2024 | $2.0M | $1.5M | $1.5M | $490K | $34K | 1.72% | 5.79% | 0.06% | 680 |
| Q3 2024 | $1.9M | $1.5M | $1.5M | $487K | $30K | 2.08% | 5.69% | 0.23% | 677 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.9M |
| $1.4M |
| $1.5M |
| $471K |
| $14K |
| 1.52% |
| 5.79% |
| 0.74% |
| 678 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 80.6% | 21st |
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 1 county across 1 state (+0 vs 2025). Biggest market: Rankin, MS, ranked 26th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rankin, MS | 2 | $1.5M* | 0.03% | 26th |
Mississippi: 148th with 0.00% · Jackson metro: 52nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2