| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.0 pts |
| Share growth (YoY) | -5.5% | +0.9% | -6.5 pts |
| Loan growth (YoY) | +12.2% | -2.6% | +14.8 pts |
| ROA | 1.64% | 0.65% | +1.0 pts |
| ROE | 6.2% | 4.4% | +1.8 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.3M | $15.5M | $9.4M | $5.6M | $174K | 1.64% | 4.27% | 0.04% | 2,317 |
| Q1 2026 | $21.6M | $16.0M | $9.0M | $5.5M | $78K | 1.44% | 4.05% | 0.02% | 2,294 |
| Q4 2025 | $21.3M | $15.8M | $8.7M | $5.4M | $222K | 1.04% | 3.69% | 0.62% | 2,288 |
| Q3 2025 | $21.4M | $15.9M | $8.6M | $5.4M | $156K | 0.97% | 3.61% | 1.41% | 2,287 |
| Q2 2025 | $21.9M | $16.5M | $8.4M | $5.3M | $78K | 0.71% | 3.47% | 2.17% | 2,276 |
| Q1 2025 | $21.8M | $16.4M | $8.3M | $5.2M | $28K | 0.52% | 3.49% | 0.54% | 2,300 |
| Q4 2024 | $21.2M | $15.8M | $8.7M | $5.2M | $160K | 0.76% | 3.56% | 0.62% | 2,300 |
| Q3 2024 | $21.1M | $15.9M | $8.8M | $5.2M | $132K | 0.83% | 3.53% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,300 |
| Q2 2024 | $21.5M | $16.2M | $8.8M | $5.1M | $78K | 0.73% | 3.41% | 0.54% | 2,300 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $9.2M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 80.6% | 17th |
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.
3 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Raleigh, WV, ranked 15th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Raleigh, WV | 2 | $10.4M* | 0.56% | 15th |
| Waukesha, WI | 1 | $5.2M* | 0.02% | 64th |
West Virginia: 126th with 0.02% · Wisconsin: 308th with 0.00% · Beckley metro: 17th, 0.42% · Milwaukee-Waukesha metro: 83rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3