| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | +0.4% | +0.9% | -0.6 pts |
| Loan growth (YoY) | +7.9% | -2.6% | +10.5 pts |
| ROA | -0.95% | 0.65% | -1.6 pts |
| ROE | -9.3% | 4.4% | -13.7 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.9M | $7.1M | $6.1M | $816K | $-38K | -0.95% | 4.23% | 0.22% | 1,986 |
| Q1 2026 | $7.8M | $6.9M | $5.5M | $854K | $351 | 0.02% | 4.11% | 0.30% | 1,974 |
| Q4 2025 | $7.8M | $6.9M | $5.5M | $854K | $-40K | -0.51% | 4.35% | 0.40% | 1,968 |
| Q3 2025 | $7.9M | $7.0M | $5.3M | $882K | $-12K | -0.20% | 4.27% | 0.54% | 1,971 |
| Q2 2025 | $8.0M | $7.0M | $5.6M | $890K | $-4K | -0.11% | 4.30% | 0.64% | 1,971 |
| Q1 2025 | $7.9M | $7.0M | $6.1M | $883K | $-11K | -0.56% | 4.41% | 0.81% | 1,968 |
| Q4 2024 | $8.0M | $7.1M | $6.5M | $894K | $9K | 0.12% | 4.66% | 1.17% | 1,970 |
| Q3 2024 | $8.0M | $7.1M | $6.8M | $900K | $15K | 0.26% | 4.64% | 0.55% | 1,968 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.95% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -9.3% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.6M | $7.6M | $7.1M | $899K | $15K | 0.34% | 4.36% | 0.39% | 1,972 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.5M · securities $394K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.9% | 80.6% | 95th |
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: Pope, AR, ranked 13th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pope, AR | 1 | $7.1M* | 0.34% | 13th |
Arkansas: 155th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1