| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +4.1% | -7.1 pts |
| Share growth (YoY) | -3.8% | +3.5% | -7.4 pts |
| Loan growth (YoY) | +4.3% | +2.9% | +1.4 pts |
| ROA | 0.57% | 0.74% | -0.2 pts |
| ROE | 4.4% | 6.5% | -2.1 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $170.4M | $147.3M | $98.1M | $22.3M | $487K | 0.57% | 3.36% | 0.92% | 10,605 |
| Q1 2026 | $172.5M | $149.7M | $100.8M | $22.1M | $272K | 0.63% | 3.32% | 0.79% | 10,772 |
| Q4 2025 | $171.6M | $149.3M | $102.3M | $21.9M | $1.3M | 0.77% | 3.20% | 0.49% | 11,003 |
| Q3 2025 | $171.0M | $148.3M | $97.4M | $21.6M | $1.0M | 0.80% | 3.17% | 0.47% | 11,065 |
| Q2 2025 | $175.5M | $153.2M | $94.1M | $21.6M | $842K | 0.96% | 3.00% | 0.64% | 11,174 |
| Q1 2025 | $175.0M | $152.5M | $94.1M | $21.3M | $588K | 1.34% | 2.90% | 0.60% | 11,246 |
| Q4 2024 | $174.4M | $152.6M | $93.3M | $20.7M | $799K | 0.46% | 2.85% | 0.70% | 11,242 |
| Q3 2024 | $169.9M | $148.2M | $95.3M | $20.5M | $602K | 0.47% | 2.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.74% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 6.5% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 11,543 |
| Q2 2024 | $166.6M | $145.2M | $99.1M | $20.6M | $469K | 0.56% | 2.96% | 0.73% | 11,625 |
Loan mix (Q2 2026): real estate $37.1M · commercial $0 · consumer $30.8M · securities $42.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 77.5% | 70th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Pinellas, FL, ranked 35th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pinellas, FL | 3 | $147.3M* | 0.19% | 35th |
Florida: 209th with 0.01% · Tampa-St. Petersburg-Clearwater metro: 54th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 3 · 2024 3 · 2025 3 · 2026 3