| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +2.3% | +0.9% | +1.3 pts |
| Loan growth (YoY) | -4.2% | -2.6% | -1.5 pts |
| ROA | 0.57% | 0.65% | -0.1 pts |
| ROE | 3.8% | 4.4% | -0.6 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.6M | $20.7M | $12.6M | $3.7M | $70K | 0.57% | 5.27% | 5.80% | 2,064 |
| Q1 2026 | $24.8M | $20.8M | $12.7M | $3.7M | $31K | 0.50% | 5.29% | 1.75% | 2,047 |
| Q4 2025 | $23.3M | $19.5M | $13.1M | $3.7M | $107K | 0.46% | 5.51% | 3.88% | 2,020 |
| Q3 2025 | $23.9M | $19.9M | $13.1M | $3.8M | $235K | 1.31% | 5.38% | 4.50% | 2,083 |
| Q2 2025 | $24.3M | $20.2M | $13.1M | $3.7M | $173K | 1.43% | 5.26% | 5.84% | 2,083 |
| Q1 2025 | $24.7M | $20.7M | $12.7M | $3.7M | $109K | 1.76% | 5.39% | 3.16% | 2,057 |
| Q4 2024 | $24.3M | $20.5M | $12.3M | $3.6M | $334K | 1.37% | 5.03% | 5.13% | 2,045 |
| Q3 2024 | $24.5M | $20.7M | $12.1M | $3.5M | $266K | 1.45% | 4.98% | 4.03% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.65% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,074 |
| Q2 2024 | $25.2M | $21.5M | $11.6M | $3.5M | $165K | 1.31% | 4.72% | 3.25% | 2,079 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $9.7M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 80.6% | 33rd |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Chatham, GA, ranked 31st with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chatham, GA | 1 | $20.7M* | 0.21% | 31st |
Georgia: 242nd with 0.00% · Savannah metro: 35th, 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1