| Metric | Priority Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | +1.6% | +0.9% | +0.7 pts |
| Loan growth (YoY) | +1.9% | -2.6% | +4.5 pts |
| ROA | 0.23% | 0.65% | -0.4 pts |
| ROE | 2.6% | 4.4% | -1.8 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.1M | $53.1M | $44.6M | $4.8M | $63K | 0.23% | 5.26% | 3.17% | 4,398 |
| Q1 2026 | $56.1M | $52.5M | $45.4M | $4.8M | $37K | 0.27% | 5.29% | 2.64% | 4,456 |
| Q4 2025 | $56.1M | $51.7M | $45.5M | $4.8M | $-906K | -1.61% | 5.06% | 3.66% | 4,504 |
| Q3 2025 | $56.2M | $52.3M | $44.3M | $5.1M | $-624K | -1.48% | 5.02% | 2.96% | 4,578 |
| Q2 2025 | $56.4M | $52.2M | $43.8M | $5.1M | $-611K | -2.16% | 5.07% | 2.15% | 4,616 |
| Q1 2025 | $57.9M | $52.7M | $44.7M | $5.6M | $-43K | -0.30% | 4.95% | 1.63% | 4,886 |
| Q4 2024 | $57.4M | $51.0M | $45.7M | $5.7M | $-275K | -0.48% | 4.60% | 0.69% | 4,886 |
| Q3 2024 | $59.1M | $53.8M | $47.1M | $6.0M | $35K | 0.08% | 4.49% | 0.49% |
| Ratio | Priority Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,078 |
| Q2 2024 | $59.7M | $54.5M | $47.8M | $6.0M | $22K | 0.07% | 4.48% | 0.48% | 5,078 |
Loan mix (Q2 2026): real estate $16.7M · commercial $3.6M · consumer $23.8M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.7% | 80.6% | 75th |
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 | Priority Credit Union | 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 | Priority Credit Union | 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 | Priority Credit Union | 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 | Priority Credit Union | 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 | Priority Credit Union | 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.
6 branches in 4 counties across 2 states (+0 vs 2025). Biggest market: Orange, FL, ranked 53rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, FL | 3 | $26.5M* | 0.05% | 53rd |
| Kent, MI | 1 | $8.8M* | 0.03% | 64th |
| Seminole, FL | 1 | $8.8M* | 0.06% | 36th |
| 1 more county with Pro → | ||||
Florida: 268th with 0.00% · Michigan: 286th with 0.00% · Orlando-Kissimmee-Sanford metro: 62nd, 0.04% · Palm Bay-Melbourne-Titusville metro: 26th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 6 · 2026 6