| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -7.6% | +0.9% | -8.6 pts |
| Loan growth (YoY) | -5.2% | -2.6% | -2.6 pts |
| ROA | 1.55% | 0.65% | +0.9 pts |
| ROE | 3.5% | 4.4% | -0.9 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 | $5.9M | $3.3M | $2.3M | $2.6M | $45K | 1.55% | 4.48% | 3.24% | 584 |
| Q1 2026 | $5.9M | $3.4M | $2.3M | $2.6M | $22K | 1.51% | 4.44% | 2.92% | 584 |
| Q4 2025 | $5.9M | $3.4M | $2.4M | $2.5M | $131K | 2.21% | 4.61% | 5.30% | 583 |
| Q3 2025 | $6.1M | $3.6M | $2.4M | $2.5M | $91K | 1.97% | 4.44% | 3.29% | 606 |
| Q2 2025 | $6.0M | $3.6M | $2.4M | $2.5M | $56K | 1.87% | 4.46% | 1.58% | 602 |
| Q1 2025 | $6.0M | $3.5M | $2.5M | $2.4M | $28K | 1.86% | 4.58% | 2.86% | 604 |
| Q4 2024 | $6.1M | $3.7M | $2.6M | $2.4M | $64K | 1.05% | 4.12% | 0.85% | 597 |
| Q3 2024 | $6.2M | $3.8M | $2.8M | $2.4M | $46K | 1.00% | 4.07% | 0.91% | 599 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.3M | $3.9M | $2.9M | $2.4M | $29K | 0.92% | 3.86% | 0.80% | 609 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 80.6% | 20th |
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: Bibb, GA, ranked 22nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bibb, GA | 1 | $3.3M* | 0.05% | 22nd |
Georgia: 270th with 0.00% · Macon-Bibb County metro: 29th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1