| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Share growth (YoY) | +4.0% | +4.9% | -0.9 pts |
| Loan growth (YoY) | +12.2% | +5.4% | +6.8 pts |
| ROA | 0.49% | 0.71% | -0.2 pts |
| ROE | 3.5% | 6.3% | -2.8 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.21B | $962.5M | $989.8M | $168.9M | $1.5M | 0.49% | 3.67% | 0.61% | 66,276 |
| Q4 2025 | $1.18B | $934.6M | $978.1M | $167.5M | $6.4M | 0.55% | 3.58% | 0.79% | 67,129 |
| Q3 2025 | $1.15B | $922.9M | $939.9M | $169.5M | $5.2M | 0.60% | 3.66% | 0.69% | 67,129 |
| Q2 2025 | $1.14B | $923.2M | $926.0M | $167.9M | $3.5M | 0.61% | 3.61% | 0.67% | 66,770 |
| Q1 2025 | $1.14B | $925.9M | $881.9M | $166.1M | $1.8M | 0.62% | 3.53% | 0.47% | 66,477 |
| Q4 2024 | $1.11B | $897.3M | $877.6M | $164.3M | $5.7M | 0.51% | 3.62% | 0.71% | 66,029 |
| Q3 2024 | $1.10B | $881.0M | $863.1M | $166.9M | $4.8M | 0.58% | 3.63% | 0.67% | 67,126 |
| Q2 2024 | $1.13B | $919.7M | $873.8M | $165.4M | $3.3M | 0.59% | 3.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Rev Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.71% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.3% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 67,257 |
Loan mix (Q1 2026): real estate $440.6M · commercial $282.7M · consumer $175.0M · securities $18.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 73.0% | 93rd |
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 | Rev Federal 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 | Rev Federal 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 | Rev Federal 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 | Rev Federal 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 | Rev Federal 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.
18 branches in 8 counties across 2 states (-2 vs 2024). Biggest market: Berkeley, SC, ranked 4th with 9.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berkeley, SC | 6 | $307.7M* | 9.27% | 4th |
| Charleston, SC | 5 | $256.4M* | 1.25% | 21st |
| Dorchester, SC | 2 | $102.6M* | 2.92% | 12th |
| 5 more counties with Pro → | ||||
South Carolina: 37th with 0.48% · North Carolina: 78th with 0.03% · Charleston-North Charleston metro: 13th, 2.43% · Wilmington metro: 20th, 0.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 20 · 2023 20 · 2024 20 · 2025 18