| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.1 pts |
| Loan growth (YoY) | -5.3% | -2.6% | -2.6 pts |
| ROA | 2.26% | 0.65% | +1.6 pts |
| ROE | 8.5% | 4.4% | +4.1 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.3M | $73.7M | $33.5M | $26.1M | $1.1M | 2.26% | 4.17% | 0.13% | 5,544 |
| Q1 2026 | $97.4M | $73.2M | $34.3M | $25.6M | $535K | 2.19% | 4.13% | 0.17% | 5,584 |
| Q4 2025 | $98.9M | $75.0M | $34.4M | $25.0M | $2.2M | 2.25% | 4.21% | 0.13% | 5,604 |
| Q3 2025 | $95.2M | $72.2M | $34.7M | $24.5M | $1.7M | 2.34% | 4.33% | 0.25% | 5,636 |
| Q2 2025 | $93.0M | $70.8M | $35.3M | $23.9M | $1.1M | 2.42% | 4.41% | 0.34% | 5,677 |
| Q1 2025 | $92.5M | $71.0M | $35.6M | $23.4M | $542K | 2.34% | 4.30% | 0.52% | 5,670 |
| Q4 2024 | $93.0M | $72.7M | $36.0M | $22.8M | $2.3M | 2.50% | 4.50% | 0.63% | 5,673 |
| Q3 2024 | $89.0M | $68.8M | $36.4M | $22.3M | $1.8M | 2.65% | 4.71% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.26% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,714 |
| Q2 2024 | $89.4M | $69.9M | $36.7M | $21.7M | $1.2M | 2.74% | 4.70% | 0.27% | 5,730 |
Loan mix (Q2 2026): real estate $1.6M · commercial $0 · consumer $27.0M · securities $38.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 80.6% | 8th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Richland, SC, ranked 27th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Richland, SC | 2 | $73.7M* | 0.32% | 27th |
South Carolina: 101st with 0.05% · Columbia metro: 30th, 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2