| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -11.2% | +0.9% | -12.2 pts |
| Loan growth (YoY) | +11.1% | -2.6% | +13.7 pts |
| ROA | 0.24% | 0.65% | -0.4 pts |
| ROE | 1.6% | 4.4% | -2.8 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.8M | $5.8M | $348K | $1.0M | $8K | 0.24% | 0.67% | 0.53% | 575 |
| Q1 2026 | $7.0M | $6.0M | $328K | $1.0M | $6K | 0.33% | 0.63% | 0.74% | 574 |
| Q4 2025 | $7.0M | $5.9M | $306K | $1.0M | $2K | 0.03% | 0.37% | 0.42% | 584 |
| Q3 2025 | $7.3M | $6.3M | $303K | $997K | $-12K | -0.22% | 0.12% | 0.00% | 594 |
| Q2 2025 | $7.5M | $6.5M | $313K | $987K | $-22K | -0.57% | -0.24% | 0.00% | 602 |
| Q1 2025 | $7.5M | $6.5M | $311K | $950K | $-16K | -0.83% | -0.45% | 0.00% | 603 |
| Q4 2024 | $7.3M | $6.2M | $331K | $1.0M | $12K | 0.16% | 0.50% | 0.00% | 613 |
| Q3 2024 | $7.1M | $6.1M | $327K | $1.0M | $10K | 0.19% | 0.52% | 0.00% | 620 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.2M | $6.1M | $265K | $1.0M | $14K | 0.39% | 0.68% | 0.00% | 624 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $348K · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 80.6% | 7th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Miami-Dade, FL, ranked 81st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Miami-Dade, FL | 2 | $5.8M* | 0.00% | 81st |
Florida: 323rd with 0.00% · Miami-Fort Lauderdale-West Palm Beach metro: 120th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2