| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.9% | +1.6 pts |
| Share growth (YoY) | +4.3% | +3.3% | +1.0 pts |
| Loan growth (YoY) | +0.6% | +2.9% | -2.3 pts |
| ROA | 1.08% | 0.69% | +0.4 pts |
| ROE | 8.0% | 5.9% | +2.1 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $221.2M | $194.9M | $87.9M | $29.7M | $597K | 1.08% | 3.50% | 1.14% | 13,743 |
| Q4 2025 | $214.9M | $188.6M | $85.6M | $29.1M | $2.3M | 1.09% | 3.49% | 1.40% | 13,705 |
| Q3 2025 | $211.5M | $186.0M | $85.3M | $28.5M | $1.7M | 1.10% | 3.52% | 0.90% | 13,730 |
| Q2 2025 | $212.0M | $188.4M | $84.6M | $27.9M | $1.1M | 1.05% | 3.44% | 1.17% | 13,701 |
| Q1 2025 | $209.6M | $186.8M | $87.4M | $27.3M | $518K | 0.99% | 3.37% | 1.21% | 13,724 |
| Q4 2024 | $202.3M | $180.9M | $87.6M | $26.8M | $2.2M | 1.08% | 3.41% | 1.37% | 13,645 |
| Q3 2024 | $203.9M | $181.3M | $88.8M | $26.3M | $1.7M | 1.12% | 3.38% | 0.97% | 13,692 |
| Q2 2024 | $203.4M | $185.1M | $89.8M | $25.8M | $1.2M | 1.16% | 3.36% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.96% |
| 13,704 |
Loan mix (Q1 2026): real estate $18.4M · commercial $0 · consumer $64.4M · securities $111.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 78.7% | 30th |
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.
5 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Santa Rosa, FL, ranked 7th with 4.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Santa Rosa, FL | 5 | $188.4M* | 4.86% | 7th |
Florida: 185th with 0.02% · Pensacola-Ferry Pass-Brent metro: 17th, 1.36% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5