| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +3.7% | +0.9% | +2.8 pts |
| Loan growth (YoY) | +3.6% | -2.6% | +6.2 pts |
| ROA | 0.12% | 0.65% | -0.5 pts |
| ROE | 0.6% | 4.4% | -3.8 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.0M | $24.8M | $22.7M | $6.0M | $18K | 0.12% | 5.17% | 0.06% | 2,231 |
| Q1 2026 | $31.6M | $25.4M | $22.9M | $6.0M | $17K | 0.21% | 5.11% | 0.08% | 2,174 |
| Q4 2025 | $30.9M | $24.7M | $22.8M | $6.0M | $174K | 0.56% | 5.20% | 0.01% | 2,174 |
| Q3 2025 | $29.7M | $23.6M | $21.9M | $6.0M | $170K | 0.76% | 5.30% | 0.02% | 2,150 |
| Q2 2025 | $30.0M | $23.9M | $21.9M | $6.0M | $95K | 0.63% | 5.18% | 0.01% | 2,234 |
| Q1 2025 | $30.0M | $24.0M | $21.9M | $5.9M | $78K | 1.03% | 5.09% | 0.02% | 2,300 |
| Q4 2024 | $29.8M | $23.8M | $22.1M | $5.9M | $138K | 0.46% | 4.92% | 0.19% | 2,190 |
| Q3 2024 | $30.0M | $24.0M | $21.2M | $6.0M | $127K | 0.57% | 4.82% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,157 |
| Q2 2024 | $30.1M | $24.1M | $21.2M | $5.9M | $101K | 0.67% | 4.78% | 0.19% | 2,132 |
Loan mix (Q2 2026): real estate $2.9M · commercial $0 · consumer $19.6M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.4% | 80.6% | 83rd |
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: Broward, FL, ranked 61st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broward, FL | 1 | $24.8M* | 0.03% | 61st |
Florida: 289th with 0.00% · Miami-Fort Lauderdale-West Palm Beach metro: 109th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1