| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +1.3% | +11.8 pts |
| Share growth (YoY) | +13.5% | +0.9% | +12.5 pts |
| Loan growth (YoY) | +10.9% | -2.6% | +13.6 pts |
| ROA | 1.28% | 0.65% | +0.6 pts |
| ROE | 8.5% | 4.4% | +4.1 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $95.9M | $80.4M | $64.9M | $14.4M | $613K | 1.28% | 4.23% | 0.97% | 7,218 |
| Q1 2026 | $92.9M | $78.3M | $62.4M | $14.1M | $302K | 1.30% | 4.33% | 0.69% | 7,152 |
| Q4 2025 | $89.1M | $74.9M | $60.5M | $13.8M | $1.5M | 1.66% | 4.29% | 0.89% | 7,108 |
| Q3 2025 | $85.3M | $71.2M | $59.9M | $13.4M | $1.1M | 1.68% | 4.37% | 0.54% | 7,064 |
| Q2 2025 | $84.8M | $70.9M | $58.5M | $13.0M | $688K | 1.62% | 4.25% | 0.87% | 7,035 |
| Q1 2025 | $81.1M | $67.5M | $55.6M | $12.6M | $302K | 1.49% | 4.26% | 0.53% | 6,996 |
| Q4 2024 | $77.9M | $64.6M | $54.7M | $12.3M | $1.7M | 2.16% | 4.24% | 0.70% | 6,975 |
| Q3 2024 | $79.1M | $66.5M | $55.1M | $11.9M | $1.3M | 2.14% | 4.12% | 0.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,968 |
| Q2 2024 | $80.8M | $68.5M | $54.6M | $11.4M | $815K | 2.02% | 3.93% | 0.86% | 6,985 |
Loan mix (Q2 2026): real estate $3.3M · commercial $0 · consumer $49.8M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 80.6% | 32nd |
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 2025). Biggest market: Berkeley, SC, ranked 20th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Berkeley, SC | 1 | $40.2M* | 1.06% | 20th |
| Horry, SC | 1 | $40.2M* | 0.32% | 22nd |
South Carolina: 98th with 0.05% · Charleston-North Charleston metro: 43rd, 0.13% · Myrtle Beach-Conway-North Myrtle Beach metro: 22nd, 0.32% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2