| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.1% | -1.9 pts |
| Share growth (YoY) | +1.5% | +3.5% | -2.1 pts |
| Loan growth (YoY) | +6.1% | +2.9% | +3.2 pts |
| ROA | 1.44% | 0.74% | +0.7 pts |
| ROE | 13.2% | 6.5% | +6.7 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.2M | $143.0M | $129.3M | $17.7M | $1.2M | 1.44% | 4.44% | 0.56% | 9,875 |
| Q1 2026 | $162.7M | $144.1M | $128.2M | $17.1M | $522K | 1.28% | 4.34% | 0.30% | 9,907 |
| Q4 2025 | $160.5M | $142.2M | $126.4M | $16.6M | $1.7M | 1.07% | 4.17% | 0.23% | 9,697 |
| Q3 2025 | $162.5M | $143.5M | $122.6M | $16.2M | $1.4M | 1.12% | 4.05% | 0.26% | 9,645 |
| Q2 2025 | $158.7M | $140.9M | $121.9M | $15.8M | $940K | 1.18% | 4.07% | 0.14% | 9,995 |
| Q1 2025 | $158.6M | $141.1M | $121.2M | $15.3M | $448K | 1.13% | 3.93% | 0.16% | 10,131 |
| Q4 2024 | $153.2M | $136.9M | $118.1M | $14.8M | $1.5M | 0.97% | 3.96% | 0.54% | 10,183 |
| Q3 2024 | $151.4M | $134.9M | $116.9M | $14.7M | $1.3M | 1.15% | 3.97% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.74% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 6.5% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 10,051 |
| Q2 2024 | $147.7M | $132.2M | $116.2M | $14.2M | $871K | 1.18% | 3.99% | 0.18% | 10,014 |
Loan mix (Q2 2026): real estate $74.2M · commercial $0 · consumer $54.4M · securities $21.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 77.5% | 18th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Broward, FL, ranked 40th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broward, FL | 2 | $143.0M* | 0.19% | 40th |
Florida: 214th with 0.01% · Miami-Fort Lauderdale-West Palm Beach metro: 83rd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2