| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -3.3% | +0.9% | -4.2 pts |
| Loan growth (YoY) | +7.5% | -2.6% | +10.2 pts |
| ROA | 0.81% | 0.65% | +0.2 pts |
| ROE | 3.2% | 4.4% | -1.1 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.8M | $30.4M | $19.0M | $10.1M | $165K | 0.81% | 4.50% | 0.39% | 4,633 |
| Q1 2026 | $41.1M | $30.7M | $18.2M | $10.1M | $105K | 1.02% | 4.48% | 0.41% | 4,714 |
| Q4 2025 | $41.2M | $31.0M | $19.0M | $10.0M | $433K | 1.05% | 4.52% | 0.41% | 4,696 |
| Q3 2025 | $41.9M | $31.7M | $18.4M | $9.9M | $336K | 1.07% | 4.45% | 0.01% | 4,654 |
| Q2 2025 | $41.4M | $31.4M | $17.7M | $9.7M | $195K | 0.94% | 4.47% | 0.43% | 4,611 |
| Q1 2025 | $41.5M | $31.6M | $17.0M | $9.6M | $70K | 0.67% | 4.55% | 0.16% | 4,711 |
| Q4 2024 | $40.9M | $31.1M | $16.5M | $9.6M | $658K | 1.61% | 4.88% | 0.36% | 4,674 |
| Q3 2024 | $41.3M | $31.6M | $15.8M | $9.4M | $527K | 1.70% | 4.87% | 0.27% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,648 |
| Q2 2024 | $41.9M | $32.1M | $15.0M | $9.3M | $350K | 1.67% | 4.83% | 0.12% | 4,668 |
Loan mix (Q2 2026): real estate $433K · commercial $0 · consumer $17.2M · securities $16.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 80.6% | 55th |
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: Florence, SC, ranked 21st with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Florence, SC | 1 | $30.4M* | 0.70% | 21st |
South Carolina: 117th with 0.02% · Florence metro: 22nd, 0.57% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1