| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.1% | +2.1 pts |
| Share growth (YoY) | +7.2% | +3.5% | +3.7 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.4 pts |
| ROA | 1.13% | 0.74% | +0.4 pts |
| ROE | 6.8% | 6.5% | +0.3 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $398.2M | $332.1M | $226.4M | $66.3M | $2.3M | 1.13% | 3.09% | 1.07% | 20,863 |
| Q1 2026 | $389.6M | $323.3M | $224.1M | $65.2M | $1.1M | 1.17% | 3.13% | 1.07% | 20,688 |
| Q4 2025 | $374.8M | $309.5M | $222.7M | $64.0M | $3.1M | 0.82% | 2.76% | 0.99% | 22,732 |
| Q3 2025 | $367.8M | $302.2M | $219.1M | $63.2M | $2.3M | 0.83% | 2.82% | 0.87% | 22,601 |
| Q2 2025 | $374.8M | $309.7M | $215.0M | $62.6M | $1.7M | 0.88% | 2.84% | 1.00% | 20,452 |
| Q1 2025 | $369.9M | $305.6M | $208.8M | $61.8M | $869K | 0.94% | 3.09% | 0.79% | 20,214 |
| Q4 2024 | $357.5M | $295.7M | $205.5M | $60.9M | $3.2M | 0.89% | 2.52% | 0.77% | 20,037 |
| Q3 2024 | $354.7M | $292.7M | $205.2M | $60.2M | $2.4M | 0.92% | 2.53% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.74% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 6.5% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 19,914 |
| Q2 2024 | $349.1M | $289.7M | $203.6M | $59.1M | $1.4M | 0.79% | 2.38% | 0.61% | 20,088 |
Loan mix (Q2 2026): real estate $88.2M · commercial $1.3M · consumer $125.2M · securities $112.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 77.5% | 13th |
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.
4 branches in 2 counties across 1 state (-1 vs 2025). Biggest market: McCracken, KY, ranked 6th with 9.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McCracken, KY | 3 | $249.0M* | 9.34% | 6th |
| Graves, KY | 1 | $83.0M* | 7.98% | 4th |
Kentucky: 80th with 0.23% · Paducah metro: 8th, 6.57% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 6 · 2024 5 · 2025 5 · 2026 4