| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +1.3% | +7.4 pts |
| Share growth (YoY) | +10.2% | +0.9% | +9.3 pts |
| Loan growth (YoY) | -13.7% | -2.6% | -11.1 pts |
| ROA | 1.61% | 0.65% | +1.0 pts |
| ROE | 8.0% | 4.4% | +3.6 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.5M | $3.5M | $1.0M | $912K | $36K | 1.61% | 3.90% | 5.89% | 2,143 |
| Q1 2026 | $4.7M | $3.7M | $1.1M | $894K | $18K | 1.57% | 3.85% | 6.18% | 2,133 |
| Q4 2025 | $4.6M | $3.6M | $1.1M | $876K | $41K | 0.89% | 4.27% | 4.75% | 1,981 |
| Q3 2025 | $4.5M | $3.6M | $1.2M | $857K | $21K | 0.64% | 4.22% | 3.98% | 1,962 |
| Q2 2025 | $4.1M | $3.2M | $1.2M | $877K | $83K | 4.01% | 4.53% | 3.28% | 1,954 |
| Q1 2025 | $4.3M | $3.4M | $1.2M | $828K | $-7K | -0.67% | 4.14% | 6.20% | 1,951 |
| Q4 2024 | $4.2M | $3.3M | $1.2M | $835K | $4K | 0.08% | 4.77% | 10.97% | 2,046 |
| Q3 2024 | $4.2M | $3.4M | $1.2M | $820K | $-12K | -0.37% | 4.79% | 8.11% | 2,027 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.3M | $3.4M | $1.3M | $855K | $24K | 1.11% | 4.79% | 8.76% | 2,217 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $884K · securities $409K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 80.6% | 61st |
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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Bolivar, MS, ranked 12th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bolivar, MS | 2 | $2.3M* | 0.21% | 12th |
| Fairfax (City), VA | 1 | $1.2M* | 0.02% | 37th |
Mississippi: 144th with 0.00% · Virginia: 238th with 0.00% · Washington-Arlington-Alexandria metro: 169th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3