| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +1.3% | +6.8 pts |
| Share growth (YoY) | +11.7% | +0.7% | +11.0 pts |
| Loan growth (YoY) | +14.1% | -2.4% | +16.4 pts |
| ROA | -0.22% | 0.60% | -0.8 pts |
| ROE | -0.8% | 4.1% | -4.9 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.1M | $10.2M | $9.3M | $3.8M | $-8K | -0.22% | 4.74% | 0.34% | 1,581 |
| Q4 2025 | $13.2M | $9.4M | $9.3M | $3.8M | $10K | 0.07% | 4.70% | 0.88% | 1,569 |
| Q3 2025 | $13.0M | $9.1M | $9.2M | $3.8M | $43K | 0.45% | 4.62% | 0.26% | 1,579 |
| Q2 2025 | $12.8M | $9.0M | $8.2M | $3.8M | $12K | 0.19% | 4.45% | 0.69% | 1,559 |
| Q1 2025 | $13.0M | $9.2M | $8.1M | $3.8M | $20K | 0.62% | 4.38% | 0.49% | 1,548 |
| Q4 2024 | $12.8M | $9.0M | $8.4M | $3.8M | $5K | 0.04% | 4.77% | 0.49% | 1,540 |
| Q3 2024 | $12.8M | $8.9M | $8.6M | $3.8M | $50K | 0.52% | 4.79% | 0.48% | 1,666 |
| Q2 2024 | $12.9M | $9.0M | $9.2M | $3.8M | $50K | 0.78% | 4.80% | 1.12% | 2,269 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $105K · commercial $0 · consumer $7.9M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 81.5% | 63rd |
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 1 state (+0 vs 2024). Biggest market: Forrest, MS, ranked 17th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Forrest, MS | 1 | $4.5M* | 0.27% | 17th |
| Perry, MS | 1 | $4.5M* | 2.82% | 4th |
Mississippi: 129th with 0.01% · Hattiesburg metro: 23rd, 0.25% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2