| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -5.6% | +0.9% | -6.5 pts |
| Loan growth (YoY) | +4.3% | -2.6% | +6.9 pts |
| ROA | 0.10% | 0.65% | -0.5 pts |
| ROE | 1.2% | 4.4% | -3.2 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.6M | $5.1M | $4.1M | $483K | $3K | 0.10% | 5.44% | 0.25% | 984 |
| Q1 2026 | $5.7M | $5.2M | $4.2M | $482K | $2K | 0.15% | 5.42% | 0.75% | 986 |
| Q4 2025 | $5.9M | $5.4M | $4.1M | $480K | $307 | 0.01% | 5.25% | 0.39% | 991 |
| Q3 2025 | $5.9M | $5.4M | $3.9M | $475K | $-5K | -0.11% | 5.17% | 0.58% | 1,003 |
| Q2 2025 | $5.9M | $5.4M | $3.9M | $484K | $5K | 0.16% | 5.14% | 0.94% | 1,018 |
| Q1 2025 | $6.0M | $5.5M | $3.7M | $482K | $2K | 0.17% | 5.15% | 0.41% | 1,024 |
| Q4 2024 | $5.9M | $5.4M | $3.7M | $480K | $43K | 0.73% | 5.53% | 0.13% | 1,032 |
| Q3 2024 | $5.8M | $5.3M | $3.7M | $481K | $45K | 1.03% | 5.68% | 1.15% | 1,054 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.8M | $5.3M | $3.7M | $472K | $36K | 1.24% | 5.74% | 0.82% | 1,073 |
Loan mix (Q2 2026): real estate $151K · commercial $109K · consumer $3.7M · securities $899K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.4% | 80.6% | 80th |
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: Richland, SC, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Richland, SC | 1 | $5.1M* | 0.02% | 40th |
South Carolina: 133rd with 0.00% · Columbia metro: 48th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1