| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -6.9% | +0.9% | -7.9 pts |
| Loan growth (YoY) | -18.7% | -2.6% | -16.1 pts |
| ROA | 0.44% | 0.65% | -0.2 pts |
| ROE | 1.7% | 4.4% | -2.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.5M | $4.0M | $2.5M | $1.4M | $12K | 0.44% | 3.69% | 5.56% | 694 |
| Q1 2026 | $5.6M | $4.2M | $2.7M | $1.4M | $7K | 0.51% | 3.63% | 4.67% | 696 |
| Q4 2025 | $5.6M | $4.1M | $2.9M | $1.4M | $15K | 0.28% | 3.98% | 5.53% | 695 |
| Q3 2025 | $5.6M | $4.2M | $3.2M | $1.4M | $-4K | -0.11% | 4.03% | 4.90% | 696 |
| Q2 2025 | $5.7M | $4.3M | $3.1M | $1.4M | $-21K | -0.74% | 3.91% | 5.87% | 700 |
| Q1 2025 | $5.9M | $4.4M | $3.3M | $1.4M | $2K | 0.14% | 4.01% | 4.50% | 711 |
| Q4 2024 | $5.8M | $4.4M | $3.3M | $1.4M | $13K | 0.23% | 4.07% | 5.24% | 716 |
| Q3 2024 | $6.1M | $4.7M | $3.2M | $1.4M | $-44 | -0.00% | 3.98% | 4.28% | 709 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.0M | $4.6M | $3.2M | $1.4M | $-18K | -0.61% | 4.09% | 3.60% | 713 |
Loan mix (Q2 2026): real estate $11K · commercial $0 · consumer $2.5M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 80.6% | 35th |
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 (+2 vs 2025). Biggest market: Montgomery, VA, ranked 15th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, VA | 3 | $4.0M* | 0.11% | 15th |
Virginia: 219th with 0.00% · Blacksburg-Christiansburg-Radford metro: 18th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3