| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +5.3% | +0.9% | +4.4 pts |
| Loan growth (YoY) | -13.7% | -2.6% | -11.0 pts |
| ROA | 1.45% | 0.65% | +0.8 pts |
| ROE | 8.4% | 4.4% | +4.0 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.1M | $57.4M | $30.2M | $11.9M | $502K | 1.45% | 4.03% | 0.17% | 5,946 |
| Q1 2026 | $67.5M | $55.8M | $30.8M | $11.6M | $221K | 1.31% | 3.93% | 0.03% | 5,918 |
| Q4 2025 | $65.7M | $54.8M | $31.9M | $11.4M | $858K | 1.31% | 4.28% | 0.14% | 5,878 |
| Q3 2025 | $65.6M | $54.1M | $33.0M | $11.2M | $664K | 1.35% | 4.22% | 0.14% | 5,834 |
| Q2 2025 | $65.8M | $54.5M | $35.0M | $11.0M | $402K | 1.22% | 4.04% | 0.10% | 5,816 |
| Q1 2025 | $65.8M | $54.9M | $29.3M | $10.8M | $232K | 1.41% | 4.02% | 0.38% | 5,694 |
| Q4 2024 | $64.7M | $54.0M | $31.0M | $10.6M | $1.0M | 1.61% | 4.22% | 0.02% | 5,631 |
| Q3 2024 | $64.1M | $53.7M | $32.2M | $10.3M | $765K | 1.59% | 4.23% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.65% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,584 |
| Q2 2024 | $65.1M | $54.9M | $33.7M | $10.1M | $564K | 1.73% | 4.16% | 0.37% | 5,526 |
Loan mix (Q2 2026): real estate $598K · commercial $0 · consumer $27.4M · securities $24.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 80.6% | 24th |
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 (+1 vs 2025). Biggest market: Jefferson, AL, ranked 51st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AL | 1 | $28.7M* | 0.06% | 51st |
| Madison, AL | 1 | $28.7M* | 0.19% | 38th |
Alabama: 171st with 0.03% · Huntsville metro: 40th, 0.16% · Birmingham metro: 68th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2