| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.3% | +1.3% | -9.6 pts |
| Share growth (YoY) | -17.1% | +0.9% | -18.0 pts |
| Loan growth (YoY) | -10.6% | -2.6% | -8.0 pts |
| ROA | 0.95% | 0.65% | +0.3 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.6M | $20.9M | $16.1M | $6.5M | $130K | 0.95% | 4.11% | 0.79% | 1,225 |
| Q1 2026 | $29.8M | $23.3M | $17.1M | $6.5M | $57K | 0.77% | 3.60% | 0.77% | 1,235 |
| Q4 2025 | $29.9M | $23.4M | $17.8M | $6.4M | $2.0M | 6.81% | 3.91% | 1.60% | 1,232 |
| Q3 2025 | $30.0M | $23.6M | $18.0M | $6.3M | $2.0M | 8.71% | 3.90% | 0.02% | 1,249 |
| Q2 2025 | $30.1M | $25.3M | $18.1M | $4.6M | $197K | 1.31% | 3.92% | 0.06% | 1,397 |
| Q1 2025 | $31.2M | $26.5M | $18.2M | $4.5M | $127K | 1.62% | 3.76% | 0.00% | 1,392 |
| Q4 2024 | $31.2M | $26.6M | $18.5M | $4.4M | $419K | 1.34% | 3.93% | 0.05% | 1,388 |
| Q3 2024 | $30.9M | $26.5M | $19.3M | $4.2M | $278K | 1.20% | 4.02% | 1.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.65% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,396 |
| Q2 2024 | $32.1M | $27.8M | $19.5M | $4.2M | $206K | 1.28% | 3.95% | 1.26% | 1,407 |
Loan mix (Q2 2026): real estate $9.0M · commercial $0 · consumer $6.4M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 80.6% | 46th |
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: Lowndes, GA, ranked 16th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lowndes, GA | 2 | $20.9M* | 0.55% | 16th |
Georgia: 241st with 0.01% · Valdosta metro: 18th, 0.49% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2