| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.9% | +0.7% | +2.2 pts |
| Loan growth (YoY) | +13.1% | -2.4% | +15.4 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.8M | $26.7M | $9.8M | $4.2M | $84K | 1.08% | 3.39% | 0.57% | 1,928 |
| Q4 2025 | $30.2M | $26.1M | $9.8M | $4.0M | $386K | 1.28% | 3.23% | 0.91% | 1,904 |
| Q3 2025 | $30.2M | $26.2M | $9.2M | $4.0M | $219K | 0.97% | 2.86% | 0.77% | 1,902 |
| Q2 2025 | $29.9M | $26.0M | $9.0M | $3.9M | $79K | 0.53% | 2.55% | 0.99% | 1,870 |
| Q1 2025 | $29.7M | $25.9M | $8.7M | $3.8M | $88K | 1.18% | 2.89% | 1.04% | 1,802 |
| Q4 2024 | $29.6M | $25.8M | $8.4M | $3.7M | $146K | 0.49% | 2.11% | 1.52% | 1,852 |
| Q3 2024 | $28.8M | $25.1M | $8.7M | $3.7M | $50K | 0.23% | 1.97% | 0.30% | 1,826 |
| Q2 2024 | $29.4M | $25.7M | $8.6M | $3.6M | $3K | 0.02% | 1.76% | 0.67% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,811 |
Loan mix (Q1 2026): real estate $1.2M · commercial $111K · consumer $8.1M · securities $19.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 81.5% | 9th |
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 2024). Biggest market: Preston, WV, ranked 5th with 4.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Preston, WV | 1 | $26.0M* | 4.40% | 5th |
West Virginia: 103rd with 0.05% · Morgantown metro: 19th, 0.43% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1