| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | -1.3% | -2.4% | +1.0 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.6M | $55.4M | $44.1M | $8.8M | $146K | 0.90% | 4.74% | 0.85% | 6,775 |
| Q4 2025 | $62.2M | $53.2M | $45.2M | $8.6M | $977K | 1.57% | 5.03% | 1.65% | 6,788 |
| Q3 2025 | $62.6M | $53.5M | $45.1M | $8.4M | $766K | 1.63% | 4.96% | 1.20% | 6,899 |
| Q2 2025 | $61.5M | $53.1M | $44.6M | $8.1M | $492K | 1.60% | 4.97% | 1.29% | 6,914 |
| Q1 2025 | $61.6M | $53.3M | $44.7M | $7.9M | $258K | 1.67% | 4.85% | 1.21% | 6,956 |
| Q4 2024 | $59.3M | $51.4M | $44.3M | $7.6M | $781K | 1.32% | 4.88% | 0.76% | 6,940 |
| Q3 2024 | $59.3M | $51.6M | $43.5M | $7.3M | $462K | 1.04% | 4.80% | 0.55% | 6,907 |
| Q2 2024 | $59.3M | $51.5M | $43.3M | $7.1M | $311K | 1.05% | 4.69% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,952 |
Loan mix (Q1 2026): real estate $14.9M · commercial $0 · consumer $22.0M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 81.5% | 38th |
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 2 counties across 1 state (+0 vs 2024). Biggest market: Ouachita, AR, ranked 5th with 6.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ouachita, AR | 1 | $26.6M* | 6.47% | 5th |
| Union, AR | 1 | $26.6M* | 1.72% | 8th |
Arkansas: 119th with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2