| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.9% | -0.5 pts |
| Share growth (YoY) | +2.0% | +3.3% | -1.3 pts |
| Loan growth (YoY) | +5.2% | +2.9% | +2.2 pts |
| ROA | 1.54% | 0.69% | +0.8 pts |
| ROE | 13.6% | 5.9% | +7.6 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $402.5M | $353.7M | $325.1M | $45.7M | $1.5M | 1.54% | 4.64% | 0.58% | 32,756 |
| Q4 2025 | $393.6M | $346.1M | $324.4M | $44.1M | $2.3M | 0.57% | 4.49% | 0.40% | 32,619 |
| Q3 2025 | $385.4M | $338.5M | $320.5M | $44.0M | $1.8M | 0.61% | 4.50% | 0.32% | 32,213 |
| Q2 2025 | $385.8M | $341.9M | $317.7M | $43.4M | $1.2M | 0.60% | 4.35% | 0.43% | 31,898 |
| Q1 2025 | $389.2M | $346.7M | $309.1M | $42.7M | $351K | 0.36% | 4.12% | 0.58% | 31,766 |
| Q4 2024 | $323.1M | $285.7M | $273.3M | $37.1M | $3.2M | 0.98% | 3.68% | 0.44% | 24,317 |
| Q3 2024 | $330.8M | $293.4M | $272.4M | $36.7M | $2.3M | 0.94% | 3.54% | 0.37% | 24,109 |
| Q2 2024 | $318.6M | $279.2M | $267.8M | $36.0M | $1.6M | 1.02% | 3.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 23,886 |
Loan mix (Q1 2026): real estate $69.2M · commercial $21.0M · consumer $207.2M · securities $21.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 78.7% | 17th |
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.
7 branches in 4 counties across 1 state (+1 vs 2024). Biggest market: Jackson, MS, ranked 8th with 5.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MS | 4 | $195.4M* | 5.63% | 8th |
| George, MS | 1 | $48.8M* | 9.77% | 4th |
| Greene, MS | 1 | $48.8M* | 27.92% | 3rd |
| 1 more county with Pro → | ||||
Mississippi: 38th with 0.44% · Gulfport-Biloxi metro: 13th, 1.73% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 7