| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.9% | +0.9% | +1.0 pts |
| Loan growth (YoY) | +12.8% | -2.6% | +15.4 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 4.8% | 4.4% | +0.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.0M | $11.4M | $9.8M | $2.6M | $61K | 0.87% | 5.21% | 0.68% | 1,624 |
| Q1 2026 | $13.6M | $11.0M | $9.6M | $2.5M | $19K | 0.57% | 5.18% | 0.47% | 1,607 |
| Q4 2025 | $13.8M | $11.2M | $9.6M | $2.5M | $81K | 0.59% | 5.14% | 0.48% | 1,605 |
| Q3 2025 | $13.7M | $11.1M | $9.2M | $2.5M | $56K | 0.55% | 5.20% | 1.34% | 1,599 |
| Q2 2025 | $13.7M | $11.2M | $8.7M | $2.4M | $34K | 0.50% | 5.08% | 0.95% | 1,575 |
| Q1 2025 | $13.7M | $11.2M | $8.8M | $2.4M | $20K | 0.60% | 5.03% | 0.84% | 1,560 |
| Q4 2024 | $13.1M | $10.6M | $9.0M | $2.4M | $33K | 0.26% | 4.87% | 0.65% | 1,559 |
| Q3 2024 | $12.9M | $10.5M | $8.6M | $2.4M | $28K | 0.29% | 4.90% | 0.88% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,552 |
| Q2 2024 | $12.8M | $10.3M | $8.7M | $2.4M | $7K | 0.11% | 4.83% | 0.84% | 1,560 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8.4M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 80.6% | 58th |
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: Harrison, MS, ranked 17th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harrison, MS | 1 | $11.4M* | 0.16% | 17th |
Mississippi: 123rd with 0.01% · Gulfport-Biloxi metro: 27th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1