| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -9.9% | +0.9% | -10.9 pts |
| Loan growth (YoY) | -2.0% | -2.6% | +0.6 pts |
| ROA | 0.74% | 0.65% | +0.1 pts |
| ROE | 1.2% | 4.4% | -3.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.2M | $5.7M | $4.6M | $8.5M | $53K | 0.74% | 3.67% | 3.54% | 1,200 |
| Q1 2026 | $14.4M | $5.9M | $4.7M | $8.5M | $25K | 0.69% | 3.75% | 2.01% | 1,210 |
| Q4 2025 | $14.7M | $6.2M | $4.7M | $8.5M | $116K | 0.79% | 3.41% | 4.01% | 1,213 |
| Q3 2025 | $14.8M | $6.3M | $4.8M | $8.4M | $90K | 0.81% | 3.39% | 4.56% | 1,216 |
| Q2 2025 | $14.8M | $6.3M | $4.7M | $8.4M | $54K | 0.73% | 3.35% | 4.81% | 1,221 |
| Q1 2025 | $14.7M | $6.3M | $4.8M | $8.4M | $28K | 0.77% | 3.33% | 2.50% | 1,222 |
| Q4 2024 | $14.6M | $6.3M | $4.9M | $8.3M | $73K | 0.50% | 3.33% | 3.30% | 1,226 |
| Q3 2024 | $14.8M | $6.5M | $4.9M | $8.3M | $69K | 0.62% | 3.27% | 2.48% | 1,230 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $15.0M | $6.7M | $4.7M | $8.3M | $46K | 0.61% | 3.22% | 2.99% | 1,237 |
Loan mix (Q2 2026): real estate $310K · commercial $0 · consumer $4.2M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 80.6% | 43rd |
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: Kanawha, WV, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kanawha, WV | 1 | $5.7M* | 0.08% | 24th |
West Virginia: 134th with 0.01% · Charleston metro: 26th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1