| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.1 pts |
| Loan growth (YoY) | -7.7% | -2.6% | -5.1 pts |
| ROA | -0.12% | 0.65% | -0.8 pts |
| ROE | -0.6% | 4.4% | -5.0 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.1M | $12.8M | $10.3M | $3.0M | $-9K | -0.12% | 4.89% | 0.00% | 1,230 |
| Q1 2026 | $16.7M | $13.4M | $10.8M | $3.0M | $4K | 0.10% | 4.80% | 0.00% | 1,225 |
| Q4 2025 | $15.5M | $12.3M | $10.9M | $3.0M | $64K | 0.41% | 5.27% | 0.33% | 1,231 |
| Q3 2025 | $15.8M | $12.5M | $11.2M | $3.0M | $19K | 0.16% | 4.90% | 0.32% | 1,236 |
| Q2 2025 | $16.0M | $12.8M | $11.1M | $3.0M | $14K | 0.18% | 5.05% | 0.42% | 1,240 |
| Q1 2025 | $16.6M | $13.4M | $11.2M | $3.0M | $-32K | -0.76% | 4.60% | 0.00% | 1,249 |
| Q4 2024 | $16.0M | $12.8M | $10.5M | $3.0M | $73K | 0.46% | 4.90% | 0.00% | 1,245 |
| Q3 2024 | $16.4M | $13.2M | $10.5M | $3.0M | $61K | 0.49% | 4.79% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.12% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,249 |
| Q2 2024 | $16.7M | $13.5M | $10.3M | $3.0M | $69K | 0.83% | 4.90% | 0.22% | 1,340 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $9.4M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.4% | 80.6% | 87th |
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: Monroe, FL, ranked 10th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, FL | 1 | $12.8M* | 0.27% | 10th |
Florida: 311th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1