| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -0.3% | -2.4% | +2.0 pts |
| ROA | -0.40% | 0.60% | -1.0 pts |
| ROE | -2.8% | 4.1% | -6.9 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.4M | $20.0M | $9.3M | $3.4M | $-23K | -0.40% | 3.71% | 0.00% | 1,622 |
| Q4 2025 | $22.6M | $19.2M | $9.5M | $3.4M | $74K | 0.33% | 3.98% | 0.13% | 1,664 |
| Q3 2025 | $22.3M | $18.9M | $9.4M | $3.4M | $52K | 0.31% | 4.06% | 0.14% | 1,667 |
| Q2 2025 | $22.2M | $18.8M | $9.4M | $3.3M | $15K | 0.14% | 4.10% | 0.54% | 1,659 |
| Q1 2025 | $22.8M | $19.5M | $9.4M | $3.3M | $-8K | -0.14% | 3.89% | 0.38% | 1,553 |
| Q4 2024 | $22.5M | $19.2M | $9.9M | $3.3M | $55K | 0.24% | 3.83% | 0.72% | 1,666 |
| Q3 2024 | $22.6M | $19.3M | $10.0M | $3.4M | $59K | 0.34% | 3.89% | 1.09% | 1,544 |
| Q2 2024 | $23.2M | $19.8M | $9.9M | $3.3M | $43K | 0.37% | 3.75% | 0.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.40% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.3% |
Peer lists, growth filters, CSV export, CRM push.
| 1,544 |
Loan mix (Q1 2026): real estate $35K · commercial $0 · consumer $8.0M · securities $8.1M
| — |
| — |
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: Darlington, SC, ranked 11th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Darlington, SC | 1 | $9.4M* | 0.99% | 11th |
| Florence, SC | 1 | $9.4M* | 0.23% | 23rd |
South Carolina: 126th with 0.01% · Florence metro: 25th, 0.37% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2