| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +8.3% | +0.9% | +7.4 pts |
| Loan growth (YoY) | -2.8% | -2.6% | -0.2 pts |
| ROA | 0.80% | 0.65% | +0.2 pts |
| ROE | 3.5% | 4.4% | -0.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.6M | $5.1M | $3.4M | $1.5M | $26K | 0.80% | 3.38% | 0.00% | 580 |
| Q1 2026 | $6.4M | $4.9M | $3.4M | $1.5M | $17K | 1.07% | 3.60% | 0.00% | 588 |
| Q4 2025 | $6.6M | $5.1M | $3.5M | $1.5M | $100K | 1.52% | 3.81% | 0.00% | 599 |
| Q3 2025 | $6.3M | $4.8M | $3.5M | $1.4M | $81K | 1.74% | 4.04% | 0.00% | 959 |
| Q2 2025 | $6.1M | $4.7M | $3.5M | $1.4M | $59K | 1.94% | 4.44% | 0.00% | 959 |
| Q1 2025 | $6.0M | $4.6M | $3.3M | $1.4M | $34K | 2.24% | 4.62% | 0.00% | 959 |
| Q4 2024 | $5.9M | $4.5M | $3.3M | $1.4M | $113K | 1.92% | 4.38% | 0.00% | 959 |
| Q3 2024 | $5.9M | $4.6M | $3.3M | $1.3M | $66K | 1.48% | 3.89% | 0.00% | 613 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.0M | $4.7M | $3.4M | $1.3M | $39K | 1.32% | 3.63% | 0.00% | 628 |
Loan mix (Q2 2026): real estate $96K · commercial $0 · consumer $2.4M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 80.6% | 43rd |
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: McCracken, KY, ranked 13th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McCracken, KY | 1 | $5.1M* | 0.19% | 13th |
Kentucky: 213th with 0.00% · Paducah metro: 19th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1