| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.2 pts |
| Share growth (YoY) | -3.7% | +0.9% | -4.6 pts |
| Loan growth (YoY) | -9.4% | -2.6% | -6.8 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 4.8% | 4.4% | +0.4 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.0M | $12.5M | $7.6M | $1.4M | $34K | 0.48% | 4.56% | 1.19% | 1,827 |
| Q1 2026 | $13.8M | $12.4M | $7.4M | $1.4M | $5 | 0.00% | 4.52% | 0.53% | 1,838 |
| Q4 2025 | $13.6M | $12.2M | $7.7M | $1.4M | $87K | 0.64% | 4.87% | 0.69% | 1,871 |
| Q3 2025 | $14.0M | $12.6M | $7.9M | $1.3M | $55K | 0.52% | 4.76% | 0.74% | 1,897 |
| Q2 2025 | $14.4M | $13.0M | $8.4M | $1.3M | $54K | 0.74% | 4.69% | 0.36% | 1,938 |
| Q1 2025 | $14.9M | $13.5M | $8.3M | $1.3M | $14K | 0.39% | 4.59% | 0.32% | 1,980 |
| Q4 2024 | $14.7M | $13.3M | $8.7M | $1.3M | $2K | 0.01% | 4.48% | 0.59% | 2,013 |
| Q3 2024 | $14.3M | $13.0M | $8.6M | $1.3M | $-3K | -0.03% | 4.56% | 1.06% | 2,055 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $14.8M | $13.3M | $8.5M | $1.3M | $-701 | -0.01% | 4.46% | 0.58% | 2,077 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.1M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 80.6% | 71st |
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: Greenwood, SC, ranked 12th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greenwood, SC | 1 | $12.5M* | 0.74% | 12th |
South Carolina: 131st with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1